KR20030066547A - System for processing credit card ticket by using electronic signature - Google Patents

Abstract

PURPOSE: A system for managing a credit card slip using an electronic signature is provided to store a sale slip by processing the sale slip electronically. CONSTITUTION: A card reader unit(12) reads credit card information. A communication unit(14) executes a data communication with a VAN server. A printing unit(18) outputs a sale slip which displays transaction details being inputted through a key pad(16). A control unit(10) includes an approval processing unit(10a) for transmitting the credit card information read from the card reader unit(12) and the transaction details being inputted through the key pad(16) to the VAN server through the communication unit(14), receiving an approval number received from the VAN server, executing a card approval process, and controlling the printing unit(18) for outputting the sale slip. A signature input unit(20) receives a signature from a credit card user as an electric signal. A signature processing unit(10b) displays signature data being inputted from the signature input unit(20) on the sale slip and transmits the transaction details data and the signature data to the VAN server through a communication unit.

Description

System for processing credit card ticket by using electronic signature}

The present invention relates to a credit card slip processing system, and more particularly, to a credit card slip processing system capable of receiving and processing an electronic signature for transaction confirmation.

Generally, when a credit card transaction occurs at a credit card merchant, the merchant clerk uses a credit card terminal to scratch the credit card to read information and input transaction details such as the transaction amount and the number of installment months. Next, the credit card terminal connects to a van server that connects each credit card company through a Publc Switched Telephone Network (PSTN) or the Internet network to transmit credit card information and transaction details to approve the transaction. You will be asked. After receiving the approval number for authenticating the transaction approval from the van server at the credit card terminal and outputting the sales slip, the clerk receives the signature from the credit card user on the sales slip and keeps it.

As such, in the related art, the sales slip must be directly signed by the credit card user, and the merchant or van (VAN) company has no choice but to keep the sales slip as a paper. Card companies, VAN companies, etc. as evidence after the fact that the sales slip collected from the merchant stores and the bulk storage costs, management and storage burden will increase. Especially in the case of large discount stores, the sales slip generated by trading a day is more than one million, so managing the sales slip is burdensome.

An object of the present invention is to provide a credit card terminal and a method for electronically storing and storing sales slips.

Furthermore, the present invention has an additional object to prevent errors or tampering during transmission of sales slip data from a credit card terminal to a van server.

The present invention further aims to prevent forgery of the sales slip itself at the van server side.

1 is a view showing a payment system using a conventional credit card.

Figure 2 is a block diagram showing the schematic configuration of a credit card terminal according to an embodiment of the present invention.

3A is a diagram illustrating a process of transmitting signature data and transaction details to a van server according to an embodiment of the present invention.

Figure 3b is a flow diagram illustrating a sales slip data authentication processing method of the van server according to an embodiment of the present invention.

4 is a diagram schematically illustrating a signature processing process through a signature capturing system according to an embodiment of the present invention.

5 is a flowchart illustrating a signature processing method of a credit card terminal according to an embodiment of the present invention.

Credit card terminal 200 according to an aspect of the present invention for achieving the above object by receiving a signature from the credit card user as an electrical signal to process the transaction (VAN) server (VAN) with the sales statement is entered ( 300) so that it can be stored as electronic data.

In addition, the transaction history can be hashed by checking the sales slip and the signature entered, and the counter can be electronically blocked.

The foregoing and further aspects of the present invention will become more apparent through the preferred embodiments described with reference to the accompanying drawings. Hereinafter, the present invention will be described in detail to enable those skilled in the art to easily understand and reproduce the present invention.

1 is a view showing a payment system using a credit card in general.

Referring to FIG. 1, the credit card terminal 200 reads card information including a unique number stored in the credit card 100. The credit card terminal 200 transmits the read credit card information to the van (VAN) server 300 to request an approval. The credit card terminal 200 and the van (VAN) server 300 are connected via a Publc Switched Telephone Network (PSTN) or the Internet. Van server (VAN) (300) requests the approval request received by the card company server (400). The card company server 400, which receives the application for approval from the van server 300, determines whether the credit card 100 is a bad card, the credit status of the credit card holder, the use of the credit card 100 to be used. If there is no problem and check the degree, and transmits the authorization number to the van (VAN) server (300). Van (VAN) server 300 receives the authorization number from the card company server 400 transmits the authorization number to the credit card terminal 100 of the merchant initially received the authorization application. Then, the credit card terminal 200 receives the signature as an electrical signal by the processing described below to perform the payment processing.

2 is a block diagram showing a schematic configuration of a credit card terminal according to an embodiment of the present invention.

As shown, the credit card terminal 200 according to an embodiment of the present invention, the card reader unit 12, the van (VAN) server 300 and the data to read the credit card information, like a conventional card terminal A communication unit 14 for performing communication, a printing unit 18 for outputting a sales slip indicating a transaction history input through the keypad 16, credit card information read from the card reader unit 12 and the keypad; Transmits the transaction details input through the communication unit 14 to the van (VAN) server 300 and receives the authorization number returned from the van (VAN) server 300 to perform card approval processing, the sales And a control unit 10 including an approval processing unit 10a for controlling the printing unit 18 to output a slip.

According to a characteristic aspect of the present invention, a signature input unit 20 which additionally receives a signature from a credit card user as an electrical signal, and signature data inputted by the controller 10 from the signature input unit 20 are the sales slips. And a signature processing unit 10b for controlling the transaction history data and the signature data to be transmitted to the van server 300 through the communication unit 14.

The card reader unit 12 reads the information stored in the credit card 100. The card reader 12 is already known in various forms depending on the type of card, such as an MS (Magnetic Strip) card in which information is stored in a magnetic and a contact / contactless IC card in which an IC chip is embedded. The communication unit 14 performs a function of demodulating and transmitting / receiving data like a modem, and is connected with a wired telephone subscriber network (Pubilc Switched Telephone Network, PSTN) or the Internet network to perform communication with the VAN server 300. The printing unit 18 outputs a sales slip including transaction details and a credit card user signature image under the control of the control unit 10 to be described later.

The signature input unit 20 according to a characteristic aspect of the present invention includes, for example, a tablet (tablet, graphic input panel) and an electronic pen. Therefore, the credit card user can input the signature with the electrical signal to the credit card terminal 200 by stamping the signature on the tablet using the electronic pen. Input devices such as electronic pens and tablets are well-known configurations, and thus detailed descriptions thereof will be omitted.

The control unit 10 includes an approval processing unit 10a and a signature processing unit 10b.

The authorization processing unit 10a first transmits the credit card information read from the card reader unit 12 and the transaction details input from the keypad 16 to the VAN server 300 through the communication unit 14 to transact the credit card 100. Require approval. When receiving the approval number for authenticating the transaction approval from the VAN server 300, the approval processing unit 10a performs a process for outputting the sales slip for the customer displayed the transaction details through the printing unit 18.

The signature processing unit 10b processes the signature data received as an electrical signal from the credit card user through the signature input unit 14 to be included as a signature image in the sales slip controlled by the approval processing unit 10a. In addition, it controls to transmit the transaction history data and signature data input through the keypad 16 to the VAN server 300 through the communication unit (14).

In addition, the memory 22 may perform a buffering function for temporarily storing the transaction details data and signature data when the above-mentioned transaction data is transmitted to the VAN server 300. For example, these data may be stored in the memory 22 for a certain amount and then transferred to the VAN server 300 by batch operation. In addition, the display unit 24 outputs a signature image input as an electrical signal from the signature input unit 20 under the control of the controller 10 in real time, so that the credit card user can check it.

Therefore, the merchant outputs the sales slip only for the customer, and the storage can be stored as data so that the sales slip does not need to be stored in the paper. The VAN server 300 also receives and stores the credit card terminal 200 of the merchant. do.

The signature processing unit 10b according to an additional aspect of the present invention uses a hash function to hash signature data and transaction history data together using a hash function, and further hashes the hash coded data. Including the control to transmit to the VAN server (300).

3 is a diagram illustrating a process for transmitting signature data and transaction details to a van server according to an embodiment of the present invention.

Referring to FIG. 3, the signature processing unit 10b converts the transaction history data 30 and the signature data 32 into a hash code 36 together using a hash function 34. do. HASH FUNCTION is a function that can be used in data integrity, message authentication, etc., and compresses a string of bits of arbitrary length into a hash code that is a fixed length output value. Since the description of the hash function (HASH FUNCTION) is a known technique, a detailed description thereof will be omitted. The reason for hashing the transaction history data 30 and the signature data 32 together is to prevent the signature data 32 from being displayed on a sales slip indicating forged or other transaction details. That is, the two data are hashed together so that true signature data can be detected immediately when combined with forged or forged transaction slip data.

The signature data 32 is encrypted 38 using, for example, public key encryption, and the encrypted signature data 38 is converted into the transaction data 30 and the hash code HASH. The coded data 36 is transmitted to the VAN server 300. Since public key encryption is also well known, a detailed description thereof will be omitted.

4 is a diagram schematically illustrating a signature processing process through a signature capturing system according to an embodiment of the present invention.

Prior to describing the process shown in the drawings, a signature capturing system is an electronic pen that stores a signature on a paper receipt when a credit card is used in a point of sales (POS) system and a card authorization terminal (CAT). It refers to a system that documents signatures in real time using a tablet and a tablet. For example, the capturing process may be a process of encoding feature data such as the number of strokes, the shape of the stroke, the local pressure of each stroke, and the like. In another embodiment, the capturing process may be a process of converting signature data into an image, and in another example, the capturing process may include both feature data and image data.

Referring to FIG. 4, first, a signature is input as an electrical signal by using an electronic pen and a tablet, which are the signature input device 90, during a credit card payment. Then, the POS terminal 92 captures the credit card user signature in real time, displays the signature image in real time on the customer monitor 94, and outputs the signature image in real time in the customer sales slip 96. . The encrypted data is then stored in the database of the main server 98.

5 is a flowchart illustrating a signature processing method of a credit card terminal according to an embodiment of the present invention.

The signature processing method according to the characteristic aspect of the present invention, as shown, reading the credit card information, receiving the transaction details, and transmitting the credit card information and transaction details to the van (VAN) server In the signature processing method of the credit card terminal comprising the steps of: receiving a credit card authorization number from the van (VAN) server, and outputting a sales slip indicating the transaction history,

Receiving an authorization number and receiving a user signature as an electrical signal;

And outputting the sales slip including the user signature in the sales slip indicating the transaction history, and transmitting the signature data and the transaction history data to a van server.

When credit card information is read from the card reader unit 12 (step 50), the controller 10 checks whether a transaction history including an amount of money is input from the keypad 16 (step 52). When the transaction details are input, the controller 10 transmits the credit card information and the transaction details to the VAN server 300 to request a card inquiry for the card transaction approval (step 54). When the authorization number is received from the VAN server 300 (step 56), it is checked whether a signature is input from the signature input unit 20 (step 58). When the signature of the electrical signal is input, the controller 10 controls to add the signature image to the sales slip on which the transaction details are displayed (step 60). The controller 10 outputs the sales slip including the signature image (step 62), and transmits it to the VAN server 300 through the communication unit 14 (step 64).

According to a further aspect of the present invention, the step of transmitting the signature data and the transaction history data to the van server 300 may include a hash code (HASH FUNCTION) together with the signature data and the transaction history data. HASH CODE), and further comprising the hash code (HASH CODE) data is transmitted to the van (VAN) server (300). Since the description thereof is as described above, detailed description thereof will be omitted.

3B is a flowchart illustrating a sales slip data authentication processing method of a van server according to an embodiment of the present invention.

As shown, the sales voucher data authentication processing method of the van (VAN) server 300 according to an embodiment of the present invention in a van (VAN) server that can communicate through a network with a plurality of credit card terminal and credit card company server An executable transaction processing method comprising the steps of: storing transaction history data sent from a credit card terminal, signature data, and data in which the transaction history data and the signature data are coded together; Selecting at least one transaction from the stored transaction details, extracting data from the selected transaction history data, signature data, transaction history data and signature data together from a database; Using the same hash function (HASH FUNCTION), the extracted transaction history data and signature data can be used. Code (CODE) after hwahan characterized in that it comprises a step of outputting the extracted code (CODE) comprising the steps of: determining whether the same as compared with the data, if the same result of the comparison and the transaction history data, the signature data.

The VAN server 300 receives and stores the transaction history data, the signature data, the transaction history data and the signature data together with the hash code (HASH CODE) data from the credit card terminal 200 (step 70). According to a preferred embodiment of the present invention, the VAN server 300 receives at least one transaction selected from the transaction history stored in the database from the administrator. Next, the VAN server extracts selected data from the database, and first decrypts the encrypted signature data using public key encryption (step 72) (step 74). Next, the transaction history data and the decrypted signature data are hashed using the same hash function (HASH FUNCTION) as the credit card terminal 200 (step 76) (step 78). Then, it is determined whether the hash code (HASH CODE) data A received from the credit card terminal is the same as the hash code (HASH CODE) data B in the VAN server 300 (step 80). If it is the same, it is determined that the transaction history data and the signature data transmitted from the credit card terminal 200 are normal, i.e., not forged, and output the sales slip including the transaction details and the signature image (step 82). If it is not the same, it is determined that the forgery has been forged in the sales slip and outputs it (step 84).

Therefore, the VAN server 300 can determine whether the sales slip is received from the credit card terminal 200 forgery.

As described above, the present invention receives and processes an electronic signature before outputting the sales slip in the credit card terminal, so that the sales slip is outputted as before in the management of the sales slip without having to manage the paper after receiving the signature. Can be archived electronically.

In addition, according to the present invention, in transmitting transaction details and signature data to a van server, hash codes of the transaction details and signature data can be used to prevent errors or tampering during transmission.

In addition, according to the present invention, the van server may determine whether the transaction data and the signature data are forged by using the same hash function as that of the credit card terminal.

On the other hand, the present invention has been described with reference to the embodiments shown in the drawings, which are merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (5)

A card reader unit for reading credit card information; A communication unit for performing data communication with a van server; A printing unit for outputting a sales slip indicating a transaction history input through a keypad; The credit card information read from the card reader unit and the transaction history input through the keypad are transmitted to the van server through the communication unit, and the authorization number returned from the van server is received to perform card approval processing. And a control unit including an approval processing unit for controlling the printing unit to output the sales slip, wherein the terminal comprises: Further comprising a signature input unit for receiving the signature as an electrical signal from the credit card user, The control unit: And a signature processing unit for processing the signature data inputted from the signature input unit to be displayed on the sales slip, and transmitting the transaction history data and the signature data to the van server through the communication unit. A credit card terminal having a signature processing function. The method according to claim 1, The signature processing unit: Code the signature data and transaction history data using a hash function (HASH FUNCTION) together, and add the code data together to the van server in addition to the transaction history data and the signature data. A credit card terminal having a signature processing function, characterized in that for transmitting. Reading credit card information; Receiving a transaction history; Transmitting the credit card information and transaction details to a van server; Receiving a credit card authorization number from the van (VAN) server; and outputting a sales slip indicating the transaction history; In the payment method of a credit card terminal comprising: Receiving a user signature as an electrical signal; And outputting the sales slip including the user signature in the sales slip indicating the transaction history, and transmitting the signature data and the transaction history data to a van server. Payment method of card terminal. The method according to claim 3, The step of transmitting the signature data and the transaction history data to a van server (VAN) server: Code the signature data and the transaction history data using a hash function (HASH FUNCTION), and add the code data to the van server in addition to the transaction history data and the signature data. A payment method of a credit card terminal having a signature processing function, characterized in that the transmission. A transaction processing method executable in a van server capable of communicating via a network with a plurality of credit card terminals and a credit card company server, the method comprising: Storing transaction history data transmitted from a credit card terminal, signature data, and data in which the transaction history data and the signature data are coded together; Receiving at least one transaction selected from the stored transaction details by an administrator; Extracting data from the database, the selected transaction history data, signature data, and transaction history data and signature data coded together; Determining whether the extracted transaction details data and signature data are the same by using the same hash function (HASH FUNCTION) as the credit card terminal and comparing them with the extracted code (CODE) data; And outputting the transaction history data and the signature data, if the comparison result is the same.