KR100407655B1 - A fee optical payment system and method of KIOSK - Google Patents

Abstract

A kiosk fee photo payment system and method is for paying a kiosk fee using a personal portable terminal with an optical transceiver as a payment method for a card. The present invention inputs the card information into a personal portable terminal having an optical transceiver such as a mobile phone or a PDA, and optically transmits and receives the card information by connecting the optical transmitter to a kiosk. The kiosk is configured to issue payments by issuing documents desired by the user, storing the transaction history, and transmitting the collected transaction information to the card company server. Therefore, the present invention provides an effect that the fee associated with the issuance of a kiosk certificate can be paid to a portable terminal with card information even without having a coin or a small bill.

Description

A fee optical payment system and method of KIOSK

The present invention relates to a fee payment system of a kiosk belonging to IPC classification H04Q7 / 24, and more particularly, to embed payment information in a portable terminal equipped with an optical transceiver so that the fee of the kiosk can be paid through the portable terminal. A kiosk fee photo payment system and method.

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, and transportation 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 ATMs / CDs can be used for 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, there are also fields where cards are not yet used, such as tollgates, tunnel tolls, vending machines, and kiosks.

1 is a view showing a typical credit card payment system, showing a case where you need to pay for the goods in the general store.

The buyer delivers the credit card 11 in his possession to the seller. The credit card 11 is a magnetic card with a unique number and a user name engraved thereon. The seller recognizes the credit card information through the magnetic card reader of the credit card inquiry machine 12. The credit card inquiry machine 12 transmits the recognized credit card information to the van company system 13 to make an approval request. The credit card checker 12 and the bansa system 13 are connected through a dedicated line. The bansa system 13 applies the approval request received to the card company system 14 for the approval. The card company system 14 that receives the application for approval from the bansa system 13 checks whether the credit card is a bad card, the credit status of the credit card holder, the usage level of the credit card to be used, and checks the approval result. (13). Upon receiving the approval result from the card company system 14, the bansa system 13 notifies the credit card checker 12 of the store where the application for approval was first received. The store seller confirms the approval result and notifies the buyer. If the approval result is normal, the payment is completed by using the credit card by presenting the sales slip to the buyer for signature.

2 is a diagram illustrating a credit card payment system in a general electronic commerce, a cyber shopping mall 23 that provides goods or services, a terminal 22 of a customer who purchases goods or services by accessing the internet to the shopping mall 23, and a product. It consists of a payment gateway 24, a bansa 25 and a card company 26 involved in the financial relationship to.

The customer connects to the cyber shopping mall 23 by a terminal 22 connected to the Internet such as a computer and performs shopping. When the product is found to be purchased, the purchase intention is transmitted to the shopping mall 23. The customer inputs information of the credit card 21 possessed on the screen provided by the shopping mall 23, that is, card information such as a customer name, a card number, a password, and an expiration date. The shopping mall 23 transfers the card information presented by the customer to the payment gateway 24. The payment gateway 24 requests the approval through the card company 26 or the bansa 25 which is a payment institution for the transferred card information, and confirms the result and transmits the result to the shopping mall 23 where the transaction occurred. When the shopping mall 23 is notified that the payment processing is normally performed by the payment gateway 24, the shopping mall 23 completes the transaction by delivering the purchased goods.

On the other hand, electronic money is used as a new payment method besides cash or card. Electronic money can be divided into network type, IC type, and microelectronic money using telephone number. The network type is a method of storing the actual value of money in a specific database on the network and transferring it as needed when paying on-line and cannot be used off-line. IC card type electronic money is a Mondex card as a representative example. Electronic money for small payments using a phone number is registered in the relevant electronic money seller and when you purchase any goods or services on the Internet, you enter your mobile phone number instead of credit card information. This method is added to the mobile communication fee of the service.

However, such a credit card should always be carried in order to pay the cost, and there is a risk of being used unfairly when lost. In addition, when using a credit card can easily grasp the individual's credit information has always been exposed to improper use. And, the card can be easily duplicated due to the act of handing the card to the seller for card inquiry. As a result, the dispute between the user and the card company increases, and there is a problem that all responsibility is passed on to the user.

So, it is a precedent for a new optical payment system that can pay and pay the cost by inputting the card information into a personal portable terminal equipped with an optical transmitter or receiver such as a mobile phone or a PDA as an alternative to the magnetic card. Techniques are being presented.

An object of the present invention is to apply a payment method by a photo payment to a kiosk that can be paid only in cash of coins or small bills in the field of non-card use, so that the fee of the kiosk can be paid more conveniently according to the certificate issuance. To provide a payment system and method.

1 is a block diagram showing a payment system using a general credit card,

2 is a view showing a credit card payment system in a typical e-commerce,

3 is a schematic view showing a light payment system according to the present invention;

4 is a configuration diagram showing a fee payment system of a kiosk to which the payment method by the optical payment of the present invention is applied;

5 is a detailed configuration diagram illustrating a kiosk of FIG. 4;

6 is a flow chart for explaining a fee payment operation of the system of FIG.

<Description of Symbols for Main Parts of Drawings>

410: mobile terminal (MU) 418: card company server

440: kiosk 441: optical receiver

442: control unit 443: transaction history storage

450: Aggregation Server

In order to achieve the above object, a feature of the present invention is a kiosk, comprising a portable terminal for transmitting card information as an optical signal and an optical receiver to receive the optical signal and extract card information from the received optical signal. Kiosk for issuing documents desired by the user, storing the transaction history, an aggregation server for aggregating the transaction history stored in the kiosk, and requesting approval for a batch, and a payment for the transaction history transferred from the aggregation server. It is in an optical payment system including a card company server that pays and bills card users.

The fee settlement method of the kiosk for achieving the object of the present invention, the fee payment method of the kiosk, (1) displaying the type of service, if the type of service is selected to display the fee, and (2) the displayed fee Checking whether the payment is in the optical payment, and receiving the optical signal in the case of the optical payment, (3) extracting card information from the received optical signal, and checking whether the extracted card information is valid information; 4) if the verification result is not valid card information to notify the other payment means to pay the fee, if the valid card information input the necessary personal information, (5) issuing the document based on the entered information, and (6) if the document is issued, storing the transaction details including the type of service, the fee, and the date of issue.

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

3 is a basic conceptual diagram of a payment system using an optical payment according to the present invention, which is largely divided into a card issuing system and a payment system. The card issuing system attaches the optical transmitter and receiver to the card issuing terminal of the card company and inputs the information of the credit card to the portable terminal of the card applicant with the optical receiver for data optical transmission.The card information is input to the battery pack of the portable terminal. The card is issued through a scheme of downloading a card's information to a mobile terminal through a wired and wireless network. The card issuing system consists of a card applicant 31, a card company issuing a card 36, and a relay station 37 which transmits the information of the issued card to the portable terminal possessed by the applicant 31 using the aforementioned methods. do. Of course, the role of the relay station 37 may be directly performed by the card company 36. A communication network 38 of a mobile communication company corresponding to the mobile terminal is connected between the relay station 37 and the applicant 31 for RF transmission of card information to the portable terminal possessed by the applicant 31. The card company 36 and the relay station 37 are connected through a telephone network (X.25). The payment system includes a mobile terminal 31 for optically transmitting the issued credit information, a credit inquiry terminal 33 for receiving credit information from a customer credit information signal transmitted by attaching an optical receiver 32 and a credit inquiry, and It consists of a payment institution 36 for credit confirmation and transaction approval. The payment institution 36 becomes a bank or a card company, and a transaction approval request is made through the bansa 35. The relay station 34 is selectively connected between the credit inquiry terminal 33 and the bansa 35 of the merchant.

The payment method by optical payment using the above portable terminal as a magnetic card can be applied to you. The present invention is applied to kiosks that are installed in buildings or streets such as government offices to issue certificates or the like unattended, so that users can use them even if they do not have coins or small bills.

4 is a block diagram of a fee payment system of a kiosk (KIOSK) to which the payment method by the optical payment of the present invention is applied.

The mobile unit (MU) 410 is a mobile phone or a portable personal device in which card information such as credit card, prepaid card and debit card is embedded, and transmits the user's card information as an optical signal.

The kiosk 440 receives an optical signal from the mobile terminal 410, extracts card information from the received optical signal, and issues a document desired by the user. The kiosk 440 stores the transaction history and transmits it to the aggregation server 450 through a telephone connection by an operator's operation. Aggregation server 450 collectively transmits the collected transaction history to the card company 418.

When the card company server 418 receives the kiosk transaction details, the card company deposits the transaction price into the operator account of the designated kiosk and charges the card user.

FIG. 5 is a detailed configuration diagram illustrating the kiosk 440 of FIG. 4. The certificate issuance system shown in FIG. 5 includes an input unit 444 for inputting personal information necessary for issuance of a certificate, a display unit 445 for providing a screen for checking information desired by a customer, and a fee processing unit for processing a fee for the issued certificate ( 446). The fee processing unit 446 is a coin / banknote recognizer 447 for recognizing the amount of coins or bills input, the amount indicator 448 for displaying the recognized amount and coins / bills to collect the input coins or bills (449) ) The fee processing unit 446 further includes an optical receiver 441 for receiving an optical signal including card information from the portable terminal 410 serving as an optical payment means, and a transaction history storage 443 for storing transaction details. Is done. The certificate issuance system of FIG. 5 also prints a certificate desired by the user under the control of the main computer 451 having contents to be contained in the issueable certificate, the control unit 442 for controlling the overall operation of each component, and the control unit 442. The certificate printing unit 452 is issued. Aggregate data printing unit 453 prints the transaction history and issues it to the customer as a receipt. An operation for payment of a fee in an unattended automatic certificate issuing system having such a configuration will be described in detail with reference to FIG. 6.

The control unit 442 displays the serviceable types on the display unit 445 to allow the customer to select the desired service type (step 461). The customer views the display on the display unit 445 and selects a desired service type. When the type of service to be selected is selected through the input unit 444, the controller 442 displays the fee on the display unit 445 so that the customer can pay the fee (step 462). At this time, the control unit 442 checks whether the payment is on the display unit 445 (step 463). The customer checks the amount displayed on the display unit 445 and pays the amount in a desired payment method. In the case of the optical payment, the customer directs the mobile terminal 410 used as the optical payment means toward the optical receiver 441 of the fee processing unit 446 and transmits the card information as an optical signal (step 464). The optical receiver 441 of the fee processing unit 446 extracts card information from the received optical signal and transmits the card information to the control unit 442. The control unit 442 checks whether the received card information is valid information (step 465). If not valid card information is notified and cash payment is made (step 466). If the card information is valid, the control unit 442 indicates that the display unit 445 is normal and receives necessary personal information such as a social security number through the input unit 444 (step 467). The control unit 422 stores the transaction details in the transaction history store 443 (step 468). Here, the transaction history includes a service type, a fee, an issue date, and the like. In step 463, cash payment is made if the payment is not made (step 466). In the case of the light payment or cash payment, the control unit 442 loads necessary information from the main computer 451 based on the input information, prints the certificate through the certificate printing unit 452, and issues it to the customer (step 469). .

Transaction history counted in the transaction history storage 443 as described above is transmitted to the aggregation server 450 at a certain point in time. That is, the transaction stored by the operator of the kiosk 440 is transmitted. Aggregation server 450 compares the transmitted transaction history and the transaction history stored in the transaction history storage 443 and transmits the transaction history only to the batch card company 418 only when they match, and the transaction history storage 443 Clear all transaction of). Here, since the kiosk is distributed in several places and connected to each other through a computer network, it may serve as the aggregation server 450 in the main computer 451 to manage this integration. The card company receiving the transaction history deposits the amount based on the transaction history into the bank account of the preset kiosk 440 operator and charges the customer.

As described above, the fee optical payment system and method of the kiosk according to the present invention, by embedding the card information in the portable terminal equipped with the optical transceiver, and transmits the card information in the infrared form to the kiosk, cash, such as coins or small bills You can pay the fee without In addition, even in a kiosk that is a card-free area, credit transactions can be performed without handing a credit card, and the transaction environment can be stored and aggregated at a certain point in time so that the credit settlement environment can be performed. Therefore, the present invention can minimize the inconvenience of having a card or cash, and can activate a transaction while giving convenience to a customer.

Claims (4)

For kiosk, A mobile terminal for transmitting card information in an optical signal; A kiosk having an optical receiver to receive the optical signal, extract card information from the received optical signal, issue a document desired by the user, and store the transaction history; An aggregation server that aggregates transaction details stored in the kiosk and requests batch approval; And And a card company server that pays a fee to a designated kiosk operator for the transaction details transferred from the aggregation server and bills the card user. The optical payment system of claim 1, wherein the aggregation server compares the aggregated transaction history with the transaction history stored in the kiosk and transmits the transaction history only to the card company server, and clears all the transaction history stored in the kiosk. . The optical payment system of claim 2, wherein the aggregation server is a main computer that integrates and manages kiosks distributed in various places through a computer network. In the fee payment method of the kiosk, (1) When the customer selects the desired service type, the fee is displayed on the display of the kiosk so that the relevant fee can be paid, and the customer pays the optical payment by transmitting the card information embedded in the mobile terminal as an optical signal for the displayed fee. If so, receiving an optical signal through the optical receiver of the kiosk; (2) the kiosk extracting card information from the received optical signal and confirming whether the extracted card information is valid information; And (3) If the verification result is not valid card information, the customer is notified to pay the fee by another payment method. If the card information is valid, the required personal information is input from the customer through the input section of the kiosk, and the corresponding document is issued based on this. The payment method comprising the step of storing the transaction history, including the fee, issuance date in the transaction history storage of the kiosk.