KR100431096B1 - credit-card payment managing method and credit-card inquiry terminal using the same method - Google Patents

Abstract

The present invention is a credit card transaction between a merchant and a financial institution through a Van (VAN), a relay agency, billing sales from the authorization request for the credit card transaction of the merchant and credit card transaction history of the merchant for a certain period Credit card payment processing method that can check and inquire the deposit / return history of financial institutions and financial institutions, verify abnormal transactions, and request reprocessing directly from merchants, and for this purpose, programs provided in each merchant and encrypted in a predetermined language are provided. It relates to a built-in credit card inquiry terminal. Through this, the merchant side can quickly and easily check whether there is an abnormality in the credit card transaction and the charge deposit / return contents, and bansa has the advantage of significantly reducing the amount of work.

Description

Credit-card payment managing method and credit-card inquiry terminal using the same method}

The present invention relates to a credit card payment processing method and a credit card inquiry terminal for the same, and more particularly, the credit card of the merchant in a credit card transaction between the merchant and the financial institution through a Van (VAN), a relay agency It is possible to inquire and verify the credit card transactions of merchants and the deposit / return history of financial institutions for a certain period from the request for approval of the transaction, and in particular, the credit for directly performing the verification and reprocessing of abnormal transactions. The present invention relates to a credit card inquiry terminal equipped with a card payment processing method and a program encrypted in a predetermined language.

The rapid development of the economy, the increase of consumption due to the increase of personal income, and the expansion of transportation facilities and the sales network led to the development of the sales credit donation system.Since the bank credit card was issued for the first time in 1982, the plastic revolution or the third The spread and use of credit cards, called 'money', is on the rise.

In recent years, credit cards, which serve as a measure for the establishment of a transparent credit society, are a type of consumer credit, which are used by members who have a bank account and have contracts with financial institutions that provide credit card services such as affiliated card companies or banks. Is issued, the card unique information such as user ID, card number, expiration date is stored.

Each affiliated store is equipped with a terminal for inquiring a credit card and communicating with a financial institution.If a member with a credit card wants to purchase a product or service at the affiliated store, he / she presents a credit card issued by the financial institution. It can be purchased without spending, and the merchant's payout is deposited from the financial institution into the merchant's bank account after a certain period of time. On the payment date of the member, the amount corresponding to the deposit amount is transferred from his deposit account to the account of the financial institution, and the credit card transaction is completed.

At this time, Van (Value Added Network) is intervened as a relay between merchants and financial institutions, and the terminals and financial institutions of each merchant are connected by wired / wireless communication network, and the credit card transaction is relayed and the merchants of each merchant are connected. It provides a variety of agency services, such as billing sales based on sales history and checking for abnormal transactions.

Recently, the POS terminal, which is called a 'multi-function terminal', has been introduced as a credit card inquiry terminal. In particular, the point of sale (POS) in advance means that inventory is updated at the same point of sale. It refers to a system capable of processing a series of commerce-related data such as credit and credit inquiry.

The POS terminal can be used to manage the cash sales and credit card sales of merchants at the point of sale, as well as credit card inquiry and various application programs are built-in. Based on this, CRM (customer relationship management) and SCM (supply chain management) You can perform enterprise resource planning (ERP). It also has a browser that connects to the Internet and browses and displays web pages such as the world wide web (WWW).

Attached Figure 1 is a network configuration for a general credit card transaction, the terminal (2) provided in each merchant is connected through the bansa 4 and wired and wireless communication network, and the financial institutions such as banks and card companies (8) Bansa It is connected with (4).

Therefore, when a member presents a credit card to purchase goods or services, the merchant uses the terminal 2 to bansa 4 for the authorization request including the card's unique information, purchase amount, installment month, and merchant ID. After transmitting the message, the bansa 4 relays the self-verification and transmits an approval request message for each financial institution 8. Then, the financial institution 8 returns the result request message of approval or rejection of the credit card transaction to the bansa 4 based on the credit information such as the member's payment ability, which is sent to the terminal 2 of each merchant. Is sent.

In this case, if the credit card transaction is a normal transaction and approved, a sales slip is issued from the terminal 2, and the bansa 4 requests payment of the credit card sales for the normal transaction through the credit card sales generated at the merchant. Generate a billing message and request payment to the financial institution (8). Then, the financial institution 8 metabolizes the billing message, transfers the credit card sales payment to the merchant's payment account, and transmits the transfer and rejected return details to the bansa 4.

On the other hand, if the credit card transaction is suspected to be an abnormal transaction due to overlapping transaction, etc., Bansa (4) temporarily suspends the claim to prevent risks and verify transaction details, and then collects a sales slip from the merchant after a certain period of time. If the abnormal transaction is confirmed to be a normal transaction, the charge holding is released, the billing data is generated, and the financial institution 8 is normally charged. The financial institution 8 then transfers the payment for the matter.

In this case, the abnormal transaction is usually a duplicate approval such as a continuous approval request for the same amount of the same credit card or a continuous approval request showing a difference in unit of money.

However, in the general credit card transaction as described above, the credit card sales value, which is classified as an abnormal transaction and held for billing, is subsequently held until the bansa 4 checks the sales slip and determines whether it is a normal transaction. In the process, the amount of work of the bansa (4) unnecessarily increases, there is a problem that the merchant side is difficult to clearly check the billing and deposit history.

In this regard, although an extraordinary transaction occurs, the bansa 4 conducts a separate verification such as a wired check, but this also has a disadvantage in that manpower and time cost are severe.

In addition, in the above credit card transactions, it is difficult for each affiliated store to confirm its processing, and finally, after the deposit of the credit card sales amount of the financial institution 8 is completed, the normal or abnormal transaction can be confirmed. As most of the financial institutions 8 deposit the credit card sales amount of each affiliated store at regular intervals, it is virtually impossible to verify each case.

The present invention is to solve the above problems, the process of the credit card transactions that are carried out through the bansa from the approval request of the merchant to the sales charges and the deposit of the financial institutions easily check the merchant side directly In particular, it is possible to inquire and view the credit card transaction details of the affiliated stores and the deposit / return history of financial institutions, so that credit card payment processing methods capable of verifying and reprocessing abnormal transactions and querying credit cards that make it possible The purpose is to provide a terminal.

1 is a network diagram for a typical credit card transaction.

Figure 2 is a network diagram for a credit card transaction in accordance with the present invention.

3 is a block diagram of a credit card inquiry terminal according to the present invention;

Figure 4a is a flow chart for the approval request of the credit card sales transaction in accordance with the present invention.

Figure 4b is a flow chart for the billing of credit card sales in accordance with the present invention.

Figure 4c is a flow chart for the management of deposit / return history of the credit card billing according to the present invention.

Figure 5 is an example of the deposit / return history screen displayed by the credit card inquiry terminal according to the present invention.

6 is an example of a sub-screen for the conveyance history of FIG.

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

12: credit card inquiry terminal 30: the main body

32: central processing unit 34: memory

36: transaction module 40: data input means

50: communication interface device 60: data output means

70: telephone

The present invention is linked to merchants, financial institutions, web servers and the like to solve the above problems, the credit card transaction history of the merchants and the deposit / return history for the merchants of the financial institution for a certain period is updated and stored A credit card payment processing method of a credit card inquiry terminal provided at the affiliated store, which is connected to a Bansa web server connected to the financial institution and wired / wireless communication network in a Bansa credit card transaction provided with a database, wherein the terminal includes a monitor. It is possible to display the screen, and equipped with a web browser function, a) creating an authorization request message based on the member credit card unique information and purchase contents for credit card transactions; Displaying the approval request message to the outside to separate the affiliated party into normal or abnormal transactions; In the case of the normal transaction, after receiving the approval request message sent to the bansa and receiving the approval request result message returned through the financial institution and bansa comprising the step of generating and storing the sales slip, b) for a period of time Counting the credit card sales history of the affiliated store based on the stored transaction history of the sales slip; Displaying the aggregated credit card sales history to the outside so that the affiliated party divides the bill into billing, billing hold or deletion for each case; Claim message requesting the deposit of credit card revenue for the claim, claim pending message requesting the hold of credit card revenue for the claim, request for cancellation of the case for the deletion. It provides a credit card payment processing method comprising the steps of preparing each cancellation request message to the bansa.

The method may further include displaying credit card transaction details of the affiliated store for the predetermined period stored in the database at an arbitrary time point according to a selection of the affiliated store.

In addition, the step of displaying the deposit / return history for the affiliated store for the predetermined period stored in the database for each period to the outside; The method may further include generating a reprocessing request message for a specific case according to the selection of the affiliated store among the transport details and transmitting the generated reprocessing request message to the bansa.

In this case, it is characterized in that the credit card transaction details of the affiliated stores stored in the database and the deposit / return details of the affiliated stores are displayed as at least one web page.

In addition, the present invention provides a credit card inquiry terminal in which a credit card payment processing method as described above is encrypted in a predetermined language. Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

2 is a network configuration for credit card payment according to the present invention, the credit card inquiry terminal 12 is connected to the bansa 14 through a wired or wireless communication network, the bansa 14 is connected to the financial institutions 20 It is. At this time, the credit card inquiry terminal is characterized in that the connection with the bansa 14 in particular through the Internet.

In addition, the bansa 14 is provided with a normal internal system 16, a web server 17 capable of accessing the Internet, and a database 18 interlocked therewith and storing credit card transactions for each affiliated store.

In addition, although not shown separately, the financial institution 20 may also be provided with a server and a database, and reject or approve an authorization request for a credit card transaction transmitted through the bansa 14 in the same manner as a general case. According to the billing of the sales charges, credit card payments are made to each affiliated store, and the deposit / return history of each affiliated store is transmitted to the bansa 14 for a certain period of time.

In more detail, each merchant's credit card inquiry terminal 12 is connected to an Internet-dedicated line such as ADSL or VDSL to enable web browsing. Separately, it is possible to use a bansa (wireless / wireless communication network) such as a public switched telephone network (PSTN). 14). In addition, the bansa 14 may communicate with the financial institution 20 using a dedicated network such as the X.25 protocol.

In addition, the database 18 of the bansa 14 includes the credit card transaction details of each affiliate store and the deposit / return history of each affiliate store aggregated and transmitted by the financial institution for a certain period of time, preferably, the merchant address and name. In addition to the telephone number and the like, identification data such as IDs and passwords uniquely assigned to each affiliate store are included, and credit card transaction details and deposit / return details of each affiliate store can be stored separately for each affiliate and case.

And the bansa 14 provides a web page that can be connected to the Internet through the web server 16, which is logged in by inputting the identification data, the credit card transaction history of the merchant and the financial institution 20 for each period The deposit / return history of each affiliated store may be displayed.

However, the above contents can be referred to as already known contents. The biggest feature of the present invention can be directly checked and performed at the merchant side from the request for approval of each merchant to the payment of the payment and the deposit of the financial institution 20. The present invention provides a credit card payment processing method and a credit card inquiry terminal 12 enabling the same.

FIG. 3 is a block diagram showing a schematic configuration of a credit card inquiry terminal 12 according to the present invention. Referring to FIG. 2, a central processing unit 32 such as a CPU and an operating system (OS) are provided. Various peripheral devices are provided in the main body 30 in which the mounted memory 34 is embedded.

In this case, peripheral devices include various data input means 40 such as a keyboard, a keypad or a touch screen, a scanner, a digital camera, a communication interface device 50 such as a LAN card or a modem, and a monitor and a printer such as an LCD or a CRT. Means 60 and telephone 70 and the like.

In addition, the main body 30 includes a transaction module 36, which is programmed in a predetermined language to enable a credit card payment processing method according to the present invention, which will be described later, and has a form of a program encrypted in a predetermined language. It may be mounted in the form of a memory chip, or may reside in a memory 34 such as a hard disk driver together with an OS.

The transaction module 36 performs a normal POS function such as counting sales of affiliated stores into cash sales and credit card sales by interworking with components and peripheral devices of the credit card inquiry terminal 12 main body 30. Of course, in particular, according to the four operations described below, a predetermined screen is displayed on the monitor, and a proper message is generated and transmitted to the bansa 14 according to a user's selection.

In this case, since the bansa 14 may request a message of a specific format with respect to each financial institution 20, the transaction module 36 may generate a message suitable for the format of the bansa 14. In addition, the transaction module 36 is characterized by having a browser function for searching and displaying web pages on the Internet through the communication interface device 50. Hereinafter, four of the transaction modules 36 related to credit card transactions of respective merchants are provided. The operation is divided and explained.

1. Authorization request for credit card sales transaction

This is carried out at the time of occurrence of the credit card transaction of each affiliate, which will be described with reference to FIG. 4A, which is a flowchart showing the process in order.

First, if an individual possessing a credit card presents a credit card to purchase goods or services at a merchant, the merchant may use credit card inquiry terminal 12 according to the present invention to provide credit card unique information such as credit card number and expiration date. Inquiry, and generates an approval request message including purchase information such as purchase price, installment month, and merchant ID. (St1)

Then, the transaction module 36 displays the approval request message on the monitor so that the affiliated party can check it (st2), through which the affiliated party can verify and confirm whether the credit card transaction is normal or abnormal. (St3). Accordingly, it is preferable that the credit card unique information and the unique information are displayed in detail on the screen displayed through the monitor.

Therefore, when each merchant determines that the credit card transaction is a normal transaction, by pressing a specific button, etc. that may be provided in the data input means 40 transmits the approval request message to the bansa 14, (st4) bansa 14 After verifying this approval request message in advance, each financial institution 20 transmits it separately. In addition, after receiving the approval request result message of approval or rejection returned from the financial institution 20, the database is separately stored for each affiliate store in the database 18 and then transmitted to the credit card inquiry terminal 12 of each affiliate store.

In this case, if the case is a normal transaction and is approved, the credit card inquiry terminal 12 according to the present invention receives an approval request result message, generates a sales slip, and stores the content as a credit card transaction history. The details are used as the basic data for the credit card sales bill, which will be described later. (St5, st6, st7)

On the other hand, if the credit card transaction is determined to be an abnormal transaction, the merchant presses a specific button provided on the data input means 40 to cancel the credit card transaction, in which case the authorization request message is not written and is deleted. (St8)

Accordingly, the credit card inquiry terminal 12 according to the present invention converts and transmits only the cases recognized as normal transactions according to the selection of the merchant to an approval request message matched with the format of the bansa 14 in advance, thereby performing normal or abnormal transactions. Regardless of the general terminal that transmits the approval request message for all transactions, and generates the approval request message in accordance with the format of the bansa 14 in advance, the bansa 14 simply classifies and transmits it.

2. Charge for credit card sales

This may be performed after a certain period, for example, after the closing of the merchant, which will be described with reference to FIG. 4B.

In this case, the transaction module 36 of the credit card inquiry terminal 12 according to the present invention aggregates the credit card transaction details based on the contents of the sales slip of the merchant stored for each business day and displays them on the monitor so as to be classified by each case. (st9)

Therefore, the merchant side is to look up and verify the credit card transaction history of the business day and generate billing data, etc. requesting the payment on the basis of this, for this purpose, the transaction history may be preferably displayed in detail by case, card company.

Therefore, after verifying the credit card transaction history, the merchant side charges a claim message for depositing the sales price for the transaction from the financial institution 20 in the case of a normal transaction, and a charge pending message for suspending the deposit in the case of an abnormal transaction. Alternatively, a delete message requesting the deletion of the case is generated and transmitted to the bansa 14 (st10, st11, st12).

Comparing with the general case, it is possible to process the charges according to the credit card charges for each merchant proceeding at the bansa 14 with the credit card inquiry terminal 12 according to the present invention. Familiar merchants can re-validate normal and abnormal transactions directly and generate claims, pending charges, or delete messages, thus increasing reliability and greatly reducing the likelihood of late payment.

3. Management of deposit / return history of credit card charges

This may be performed at least one day or more by a certain period and confirms the result of the above-described credit card sales billing, which is shown in FIG. 4C.

In this case, the credit card inquiry terminal 12 according to the present invention may be connected to the web server 17 of the bansa 14 through the communication interface device 50 as described above, and the web server of the bansa 14 ( 17 is linked to the database 18 that stores the credit card transactions for each merchant and the deposit / return history transmitted from the financial institution 20, the credit card inquiry terminal 12 according to the present invention is the deposit / return Display the details on the monitor (st13).

In this case, preferably, the deposit / return history may be displayed in the form of a web page, and FIG. 5 is an example of the deposit / return history screen displayed on a credit card inquiry terminal monitor according to the present invention, and FIG. It is an example of conveyance history which is a screen.

As shown in the figure, the total number of payments and total amount can be displayed, and the return is composed of subpages so that the reason for return is displayed for each individual case. If reprocessing is requested for a case that can be processed, a reprocessing request message is sent to bansa 14 (st14, st15, st16, st17).

Compared with the general case, most merchants currently do not have a way to check the deposit / return history from time to time by calling Bansa or a separate computer connected to the Internet, but the credit card inquiry terminal according to the present invention ( 12) can simply check the number and reason for the return of the abnormal transaction by a certain period, there is an advantage that can be sent to the bansa 14 to generate a reprocessing request message for a particular case according to the selection of the merchant.

4. Inquiry and viewing of credit card sales

Finally, the credit card inquiry terminal 12 according to the present invention can use the Internet to view the database 18 of the bansa 14 stores the credit card transaction history for the merchant, which is selected by the merchant owner It can be executed at this point.

At this time, the content displayed on the screen of the credit card inquiry terminal 12 according to the present invention may be a web page provided through the web server 17 of the bansa 14, as described above, the schedule through a simple authentication process Credit card transactions by merchants during the period can be viewed on a case-by-date basis. In this case, preferably, the details may be transmitted through E-mail, etc. Finally, even if there is no PC connected to the Internet, the credit card transaction of the corresponding merchant is frequently performed using the credit card inquiry terminal 12 according to the present invention. You can check the details.

When using a credit card inquiry terminal and a credit card payment processing method using the same according to the present invention as described above, the merits can be directly confirmed and performed from the merchant side until the request for approval of the credit card transaction from the merchant to the charge for sales. have.

In particular, it is possible to check the transaction details of each transaction and the deposit / return information sent from financial institutions stored in Bansa's database, so it is possible to verify the abnormal transaction in advance and request self-verification to request the retention and deletion of the transaction. Details of payment and return history can be easily checked using the terminal.

Therefore, it is advantageous to secure the liquidity of merchants, and unlike existing companies, bans can identify credits for abnormal or abnormal transactions and check sales slips for abnormal transactions, so credit card business can be processed more effectively. have. In addition, even if there is no separate terminal such as a PC, when using a credit card inquiry terminal according to the present invention, there is an advantage in that it is possible to check and process credit card transaction details through the web at any time.

Claims (5)

Merchants with a credit card inquiry terminal with a web browser and memory function, including a monitor, a financial institution, a web server, and interworking with the credit card transaction history of the merchant and the financial institution The credit card connected to the web server of the bansa and wired / wireless communication network in the bansa having a database in which the deposit / return history to the merchant is updated and the web page displaying the credit card transaction history and the deposit / return history As a credit card payment processing method using a inquiry terminal, a) Create an approval request message based on the member credit card unique information and purchase contents for credit card transaction, and mark it as outside so that the merchant side divides it into normal or abnormal transaction, and in the case of the normal transaction, the approval request message Receiving the approval request result message returned through the financial institution and the bansa after transmitting the ban to the bansa, generating a sales slip and storing it in the memory; b) After the credit card sales history of the merchant is aggregated based on the transaction history of the sales slip stored in the memory for a certain period of time, the merchant is classified as billing, billing hold or deletion for each case. And a claim message for requesting the deposit of credit card sales amount for the claim, a charge message for requesting the hold of credit card sales amount for the claim, and canceling the case for the deletion. Creating and transmitting each request cancellation request message to the bansa; c) accessing the web page at any time according to the selection of the affiliated store and displaying the credit card transaction history of the affiliated store for the predetermined period stored in the database to the outside; d) accessing the web page at regular intervals to display and confirm the deposit / return history for the affiliated store for the predetermined period stored in the database to the outside, and then reconfirm the specific case according to the selection of the affiliated store among the returned details. Credit card payment processing method comprising the step of generating a processing request message to the bansa. delete delete delete A credit card inquiry terminal for the credit card payment processing method of claim 1, A main body including a central processing unit, an OS and a web browser, and a transaction module of a program embedded in the memory and encrypted in a predetermined language to perform steps a), b), c), and d), respectively; And at least one data input means of a keyboard, keypad, touch screen, scanner, or digital camera, a communication interface device of a LAN card or modem, a telephone, a printer, and a selected one of LCD or CRT as the monitor. A credit card inquiry terminal for a credit card payment processing method having a peripheral device including an adopted data output means.