KR20040031738A - Image settlement method on settlement terminal using credit card and mobile communication terminal of settlement company - Google Patents

Abstract

PURPOSE: An image settlement method on a settlement terminal using a credit card and a mobile communication terminal of a settlement company is provided to make a customer clearly confirm settlement by displaying an image of the credit card or the mobile communication terminal of the settlement company on a screen, and outputting the settlement related information as a text and/or a voice signal. CONSTITUTION: The information for various kinds of credit card image is stored in the settlement terminal(200). If the customer selects/inputs the credit card(100) to a card reader, the customer visually confirms the settlement by combining/displaying the credit card information and the credit card image on the screen on a front part. The settlement terminal extracts/transmits the personal credit information to a credit card VAN(Value Added Network) server(300) through a credit card VAN network, and receives a settlement approval signal form the credit card VAN server.

Description

Video payment method in payment terminal using credit card and mobile terminal using payment {omitted}

The present invention relates to a video payment method in a payment terminal using a credit card and a mobile communication terminal using payment, and more particularly, it is possible to visually check the card business process by displaying an image of a payment means on a screen of a customer direction. The present invention relates to a video payment method in a payment terminal using a credit card and a mobile communication terminal using a payment.

In the following description, the payment means includes a variety of cards including a credit card, and a mobile payment terminal equipped with a payment function, such as a smart phone, for the convenience of description will be described by taking a credit card as an example.

Recently, as a payment method, a card (card) that is easy to use and carry is used more than cash. The types of cards vary depending on the type of payment, such as credit cards, cash cards, debit cards, transportation cards, and IC cards. For example, a lot of cards are used to pay for goods in general stores or department stores. The card is also used to pay the bill after adding oil at a gas station or after eating at a restaurant.

In recent years, cards can be used for transportation costs such as taxis, subways and buses. In addition, on-line e-commerce and automated teller machines (ATM / CD) are also possible cards. Like this, the number of card merchants have increased, and the types of payments that can be made with the card have also increased. Of course, toll gates or tunnel tolls, vending machines, unmanned vending machines (kiosk), etc. will also be able to use credit cards.

In particular, in recent years, the frequency of credit card penetration is increasing, and the frequency of card use is gradually increasing due to the policy that the government actively encourages the use of cards to secure transparency in tax collection.

Therefore, each card merchant uses a credit card terminal such as EasyCheck to make a credit card payment. In most cases, when the customer passes the card directly to the owner or employee of the merchant, the owner or employee pays the price through the terminal. I have taken the way.

However, during the time of the card payment as described above, the customer had to check only a simple processing message. What's more, his credit card is in the hands of others for a while, so he can't ignore the stress of anxiety and doubt.

In addition, in places such as gas stations, customers and card terminals are far away, so customers cannot check the card payment process, which may cause unforeseen financial accidents. There is a problem that the psychological anxiety is further increased because there is almost no visual confirmation of which card is paid or which card is connected to it.

The present invention has been made to solve the problems of the prior art as described above, the purpose of which is to read the card directly to the customer to check the credit card on the front side toward the customer in the payment terminal consisting of the front portion and the rear portion Or a receiver for receiving a signal transmitted through a payment-enabled mobile communication terminal capable of wireless payment of a customer, and displaying a payment processing process on a front screen of the customer. The present invention provides a video payment method in a payment terminal using a credit card and a payment-enabled mobile communication terminal.

In addition, another object of the present invention is to display the image of the customer's credit card or payment using mobile communication terminal on the front screen of the customer direction, and, if necessary, related to payment of the corresponding credit card or payment using mobile communication terminal in the payment process. The present invention provides a video payment method in a payment terminal using a credit card and a payment-enabled mobile communication terminal to output information as a text signal and / or a voice signal so that payment confirmation by a customer can be made clearly.

According to a first aspect of the present invention for achieving the above object, a display unit and an output unit and a rear panel consisting of a plurality of keypads and images, texts including a payment processing process so that the owner or employee can perform the payment business In the payment terminal using a credit card and payment using a mobile communication terminal consisting of a front portion of the customer direction consisting of at least one display unit to check the number and the card reader to check the credit card directly In the video payment method,

A first step of storing information on various credit card images in a payment terminal;

When a customer wants to make a payment at a merchant, if a credit card that can be paid is input to a card reader, the credit card information and the credit card image of the first step are combined to be displayed on the front screen as a real object for visual confirmation. A second process of doing; And

A third step of extracting personal credit information from a payment terminal and transmitting it to a credit card van server through a credit card van network, and receiving a payment approval signal from the credit card van server side; It provides a video payment method in the payment terminal used.

At this time, according to an additional feature of the present invention, it is preferable that the third process includes a step of displaying an event, a discount, or various points provided by the credit card company or affiliated store.

According to a second aspect of the present invention for achieving the above object, a display unit and an output unit and a rear panel consisting of a plurality of keypads and images, texts including a payment service processing process so that the owner or employee can perform the payment business In the payment terminal using a credit card and payment using a mobile communication terminal consisting of at least one display unit for confirming the number and the front portion consisting of a receiving unit for receiving a signal transmitted from the customer's payment using mobile communication terminal In the video payment method,

A first step of storing information on various payment-enabled mobile communication terminal images in a payment terminal;

When a customer wants to make a payment at a merchant, payment is available. When a wireless signal of a mobile communication terminal is transmitted to a payment terminal, information including his card information, terminal serial number, phone number, name, etc. A second process of combining images of the mobile communication terminal so as to be visually displayed on the front screen to be visually confirmed; And

The payment terminal extracts personal credit information and transmits it to the credit card van server side through the credit card van network, and receives a payment approval signal from the credit card van server side. It provides a video payment method in the payment terminal used.

In this case, according to an additional feature of the present invention, it is preferable that the third process includes a step of displaying an event, a discount, or various points provided by the corresponding mobile communication company or affiliated store.

1 is a view illustrating a payment process in a wired payment terminal according to an embodiment of the present invention.

2 is a view for explaining a payment process in a wireless payment terminal according to an embodiment of the present invention.

<Description of the code | symbol about the principal part of drawings>

100: credit card 110: mobile communication terminal

200: wired payment terminal 210: wireless payment terminal

300: van server 400: base station

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

1 is a view for explaining a payment process in a wired payment terminal according to an embodiment of the present invention, Figure 2 is a view for explaining a payment process in a wireless payment terminal according to an embodiment of the present invention. to be.

1 and 2, reference numeral 100 denotes a conventional credit card, and 110 denotes a payment using mobile communication terminal equipped with a payment function. In addition, reference numeral 200 denotes a wired payment terminal, and 210 denotes a wireless payment terminal. In addition, reference numeral 300 denotes a server of Bansa, 400 denotes a base station for transmitting the output signal of the wireless payment terminal 210 to the server of the Bansa 300.

In the accompanying drawings, the wired payment terminal to which the present invention is applied is largely composed of a front part and a rear part, and the rear part is made of a display part, an output part, and a plurality of keypads so that an owner or employee can perform a payment service. The front part may allow the customer to directly check the credit card and at least one display unit 201 to allow the customer to check the image, letters, numbers, etc. of the card or payment using terminal including the payment processing process. It comprises a card reader 202 and a numeric keypad 203 for inputting a password.

Each display unit 201 preferably uses a display capable of various expressions.

Referring to Figures 1 and 2 the process of the video payment is made in the payment terminal using the credit card and the payment-enabled mobile communication terminal having the configuration as described above are as follows.

In order to implement the present invention, information about the images of various credit cards 100 and payment using mobile communication terminals 110 is stored in payment terminals 200 and 210. At this time, the information input method for the image of the credit card 100 and the payment-enabled mobile communication terminal 110 is a method of directly receiving the credit card 100 image through a wired or wireless scanner, each card company via the Internet How to download the image of each model of the credit card 100 and the payment using mobile communication terminal 110, the credit card (100) video and payment using mobile communication of each card company in the production of payment terminals (200, 210) A method of storing an image of each model of the terminal 110 may be used.

After storing the video information of the credit card 100 and the payment using mobile communication terminal 110 in the payment terminal (200, 210) as described above, if the customer wants to pay at the merchant credit card that can be paid When using the 100 or the payment using mobile communication terminal 110, the image of the credit card 100 or the payment using the mobile communication terminal 110 is displayed on the front screen of the payment terminals 200 and 210 as if in real life. Allows the customer to visually identify the method of payment.

In this case, when the image of the credit card 100 or the payment using mobile communication terminal 110 is displayed on the screen, the payment information of the credit card 100 or the payment using mobile communication terminal 110 is prevented in order to prevent information exposure thereof. One or more numeric digits associated with may be displayed with the number blocked.

In addition, both a password and a signature may be selectively or selectively requested. The user may input a password using the numeric keypad 203 provided at the front side of the customer direction, or directly input a signature through the signature input window 204. By doing so, when the credit card 100 or the payment using mobile communication terminal 110 is lost, it is impossible to use another person, and the risk of password leakage may be blocked.

After the above process, the payment terminal 200, 210 extracts personal credit information and transmits it to the van server 300 through the credit card van network or base station 400, and approves payment from the van server 300. It receives and displays the signal and performs the payment process.

At this time, the event, discount benefits or various points provided by the credit card company, the mobile carrier or the affiliated store may be displayed so that customers can easily check the benefits and cause interest.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the video payment method in the payment terminal using a credit card and payment using a mobile communication terminal according to the present invention displays a video of a credit card or payment using a mobile communication terminal to visually confirm the customer. There is an effect that it is possible to easily check the payment process.

On the other hand, it is possible to prevent card theft and card theft, which may be possible, if a customer inputs directly through a credit card or a payment-enabled mobile terminal without having to hand the credit card to the owner or employee of the merchant.

Claims (4)

The display unit, the output unit and the rear panel consisting of a plurality of keypads for the owner or employee to perform the payment business, and the at least one display unit and the customer to check the image, letters, numbers, etc. including the payment processing process In the video payment method in a payment terminal using a credit card and a payment using a mobile communication terminal consisting of a front portion consisting of a card reader for directly checking the credit card, A first step of inputting and storing information on various credit card images in a payment terminal; If the customer wants to pay at the merchant, select a credit card that can be settled and enter it into the card reader, and the credit card information and the credit card image of the first step are combined to be displayed on the screen of the front and visually confirmed. Second process to make; And A third step of extracting personal credit information from a payment terminal and transmitting it to a credit card van server through a credit card van network and receiving a payment authorization signal from the credit card van server side; Image payment method in a payment terminal using a mobile communication terminal. The method of claim 1, The third process is a video payment method in a payment terminal using a credit card and payment using a mobile communication terminal, characterized in that comprises the step of displaying the event, discount benefits or various points provided by the credit card company or affiliated stores. The display unit, the output unit and the rear panel consisting of a plurality of keypads for the owner or employee to perform the payment business, and the at least one display unit and the customer to check the image, letters, numbers, etc. including the payment processing process. In the video payment method in a payment terminal using a credit card and a payment using a mobile communication terminal consisting of a front portion consisting of a receiving unit for receiving a signal transmitted from a mobile terminal using payment, A first process of inputting and storing information on various payment-enabled mobile communication terminal images in a payment terminal; When a customer wants to make a payment at an affiliated store, if a wireless signal is transmitted from a payment using mobile communication terminal to a payment terminal, the information of the payment using mobile communication terminal and the image of the payment using mobile communication terminal of the first step are combined and displayed on the screen of the front panel. A second process of being displayed on a real screen so as to be visually confirmed; And A third step of extracting personal credit information from a payment terminal and transmitting it to a credit card van server through a credit card van network and receiving a payment authorization signal from the credit card van server side; Image payment method in a payment terminal using a mobile communication terminal. The method of claim 3, wherein The third process is a video payment method in a payment terminal using a credit card and payment using a mobile communication terminal, characterized in that comprises the step of displaying the event, discount benefits or various points provided by the mobile carrier or affiliated store.