KR100631022B1 - System and method for credit card payment & settlement based on electronic draft capture - Google Patents

Abstract

A system and a method for settling/calculating credit card transaction through capture of an electronic sale slip are provided to increase efficiency of a credit card settlement system and use convenience of a member shop settlement terminal by efficiently capturing electronic sign information of a credit card member from the member shop terminal connected to the PSTN(Public Switched Telephone Network). Each member shop settlement terminal(10-12) requests approval by current transaction particular information and stored electronic sign information of previous transaction at the same time if credit card information and the current transaction particular information are received, and outputs the electronic sale slip by receiving an approval result. A payment gateway server(30) captures the electronic sale slip for the previous transaction by combining the electronic sign information and the particular information of the previous transaction, transfers an approval request for the current transaction particular information to each credit card company server(50-52), and returns a response received from the credit card company server to the member shop settlement terminal.

Description

Credit card payment and settlement system through electronic sales slip capture and its method {SYSTEM AND METHOD FOR CREDIT CARD PAYMENT & SETTLEMENT BASED ON ELECTRONIC DRAFT CAPTURE}

1 is a block diagram schematically showing a credit card payment and settlement system according to a general DDC service method.

FIG. 2 is a flowchart illustrating a credit card payment and settlement process according to a general DDC service method performed by the system shown in FIG. 1.

Figure 3 is a block diagram of a credit card payment and settlement system according to an embodiment of the present invention.

Figure 4a is a flow chart showing the processing of the credit card payment and settlement system using the "pre-transaction digital signature transmission method" according to an embodiment of the present invention.

4B is a flowchart illustrating an efficient data transmission method for capturing an electronic sales slip using a "pre transaction electronic signature transmission method" and a database process thereof according to an embodiment of the present invention.

Figure 5 is a detailed flowchart of the credit card payment process using the "pre-transaction digital signature transmission method" according to an embodiment of the present invention.

6 is a detailed flowchart illustrating a settlement process of a credit selling price according to an exemplary embodiment of the present invention.

The present invention relates to a credit card payment and settlement system, and in particular, when a card member pays a transaction with a credit card at an affiliated store, a payment agent server includes electronic sales information including details of the credit card transaction and signature information of the card member. The present invention relates to a credit card payment and settlement system and a method for capturing a slip and based on this, so that a purchase request for each merchant can be automatically performed.

In general, credit card payments are secured by credit card companies, and card members purchase goods or services on credit from merchants recruited by the card company, and then pay the corresponding purchase price to the credit card company on the payment date. It is a payment method that receives payment from a credit card company for goods or services sold to a card member.

In the settlement of the credit card, the settlement of the selling price has been made in such a way that the credit card company pays the payment when the merchant submits a paper sales slip showing the card member's signature directly to each card company and requests the purchase. However, such a credit card payment system has been expanded and developed more rapidly as credit card companies and merchants are connected to the network due to the appearance of a payment agency that handles credit card transaction approval. In particular, payment agencies have been developing and providing a "Data & Draft Capture Service" (DDC Service) that can be more easily performed in the domestic industry between credit card companies and merchants.

In general, the 'DDC service' refers to a service in which a billing agency acts for a purchase request by improving a conventional settlement method in which a merchant directly submits a paper sales slip to a credit card company and requests a purchase. In this DDC service, the payment agency prepares and transmits the purchase request data for each merchant based on the transaction history data generated during the credit card transaction approval process, so that each card company prepays the sales price to the corresponding merchant, The payment agency collects and stores the paper sales slip. When the customer charges the credit card for payment later, if the user's use is unclear or a complaint or accident occurs due to the use of a lost card, the credit card company asks the payment agency to submit the sales slip and the payment agency sells the paper stored in the warehouse. After finding the documents and submitting them as proofs, the payment agent will bear all responsibility for settlement of the credit card sales.

1 is a block diagram schematically illustrating a credit card payment and settlement system according to a general DDC service method.

Referring to FIG. 1, a credit card payment and settlement system according to a general DDC service method includes a plurality of affiliated payment terminals 1 to n (10 to 12) that perform receipt processing according to an approval request and a result, and the plurality of affiliated stores. Install and manage a predetermined communication network 20 in which data communication between payment terminals 1 to n (10 to 12) and payment agency server 30 is made, and the plurality of merchant payment terminals 1 to n (10 to 12), The authorization request transmitted from the merchant payment terminals 1 to n (10 to 12), respectively, is transmitted to the card company servers 1 to n (50 to 52), which are the approval and purchase institution of the corresponding card transaction, and receives a response to the merchant payment terminal. The payment agency server 30 to transmit to 1 ~ n (10 ~ 12), and thereafter download the transaction approval details from the payment agency server 30 for a certain period (usually daily) unit to purchase the billing data for each card company Create, and send it to the card company server (50 ~ 52), It consists of a settlement agency server 40 for receiving and managing the deposit / return information for each credit card company affiliates therefor.

FIG. 2 is a flowchart illustrating a credit card payment and settlement process according to a general DDC service method performed by the system shown in FIG. 1.

Referring to FIG. 2, when a card member presents a credit card to a merchant at the time of using goods or services at the merchant, the payment terminal 10 of the merchant reads the credit card information (S21) and then the communication network 20. Set a connection to the payment server 30 through the (dialing) (S22). Subsequently, the merchant enters transaction history information using the keypad of the payment terminal 10 (S23), and receives a response to the connection setting from the payment agency server 30 (S24), the payment agency server 30 Request the transaction approval (S25). Then, the payment agent server 30 checks the transaction history information including the credit card information, and requests a transaction approval to the card company server 50, which is the approval institution of the credit card (S26), and processes the result accordingly. Receive (S27), and transmits the result back to the merchant payment terminal 10 (S28). The merchant payment terminal 10 automatically outputs the sales slip upon receiving the approval result in this procedure, and the merchant completes the credit settlement by receiving the signature of the card member on the printed sales slip (S29). After the payment agency settlement agency server 40 downloads the transaction approval from the payment agency server 30 generates the purchase request data for each card company (S30), and sends the purchase request data to the card company server (50). And (S31), and receives and manages the result of the deposit or return for this from the card company server 50 (S32), and provides the deposit, return information according to the request of the merchant (S33). On the other hand, each card company deposits the credit sales payment to the account designated by the merchant based on the deposit or return result information (S34). Subsequently, the payment agency collects paper sales slips from each affiliated store (S35), inputs the collected sales slip details into the settlement agency server 40 and systematically stores them in a warehouse (S36). After that, if the card company requests the payment agency to submit the sales slip for reasons such as civil complaints (S37), the payment agency finds the paper sales slip stored in the warehouse (S38) and submits it to the corresponding card company (S39). .

As described above, the DDC credit card payment and settlement system still has the inconvenience that the payment agency to collect the paper sales slip from the merchant, and also keeps the collected paper sales slip in the warehouse, when complaints occur It is necessary to find and present the sales slip individually, and if it is not properly presented, it is necessary to take responsibility for the entire amount of the sales. In particular, in the DDC method, after confirming the purchase billing data for each merchant only by transaction details generated during the credit card transaction approval process, the sales slip showing the signature of the card member as the proof is passed after a considerable date (usually one month). Since there are fundamental limitations and problems in collecting, merchants or payment agencies often lose sales slips or inconsistencies between transaction details and actual sales data. It often occurs, and credit card companies and franchisees have been burdened with considerable effort and expense to settle credit sales.

Recently, in order to solve the problems caused by the occurrence and management of paper sales slips, some large affiliated stores that have their own computer systems are increasingly adopting the electronic signature payment system. However, the digital signature payment system established by these large merchants eliminated the burden of managing paper sales slips by receiving customer signature information electronically when paying for credit cards, but this is a payment terminal with a signature input device (POS). ) Is connected to the server of the internal computer network (LAN) to store the digital signature information as a database, and then responds itself by restoring the signature information of the customer in the case of a complaint.

As such, the digital signature payment system, which has recently begun to be widely used, captures the digital signature in an internal computer network (LAN) environment having a transmission speed of 10 Mbps, which is very different from that of a general telephone network (PSTN) having a transmission rate of about 1200 bps. In addition, it is limited to large-scale affiliated stores that have established their own computer networks. In other words, unlike the existing small amount of transaction approval request information, which is only about 200 bytes, when the transaction approval request information includes digital signature information, which is image data, the amount of data reaches about 400-2000 bytes, resulting in delayed transmission time or delayed transmission time. There is a problem that caused a session interruption. Therefore, in a payment system communication environment of a small merchant using a public communication network such as a public telephone network (PSTN), it is suitable for capturing digital signature information, which is image data, without significant inconvenience, such as session interruption due to transmission time delay or transmission time delay. Development of new data transmission methods is required.

In addition, the large merchants signed a special agreement with a credit card company to create purchase requisition data at their own risk, and store the customer's signature information on its own server system, so that most small merchants using the public telephone network (PSTN) There is a limitation that cannot be applied to the settlement method. Accordingly, there is a need for an automated settlement business countermeasure for efficiently executing a credit sales settlement business for a small general merchant performing a credit card transaction by connecting only a merchant payment terminal to a payment agency system through a public communication network.

An object of the present invention for solving the above problems, in order to increase the efficiency of the credit card payment system and to increase the convenience of using the merchant payment terminal, payment of small merchants connected to public communication networks such as ADSL network as well as general telephone network. The present invention provides a system and method for efficiently capturing electronic signature information of a card member from a terminal.

In addition, another object of the present invention, in order to minimize the risk of the settlement business and to reduce the cost of paper sales slip management, whether each merchant will be settled based on a different settlement method for each credit card company, that is, electronic sales slip or existing Credit card payment and settlement system that can effectively respond to the settlement based on the paper sales slip, and to confirm the purchase billing data by capturing the electronic sales slip including credit card transaction information and digital signature information; To provide a method.

Credit card payment and settlement system through the electronic sales slip capture according to the present invention for achieving the above object, if the information on the credit card information and the current transaction history for credit settlement, the current transaction history information and A merchant payment terminal that transmits the electronic signature information of the immediately preceding transaction at the same time and requests an approval, receives a result of the approval request, and outputs an electronic sales slip; Connected to the merchant payment terminal through a predetermined communication network, by combining the electronic signature information of the last transaction and the previous transaction history information previously captured to capture the electronic sales slip for the last transaction, the request for approval of the current transaction history information A billing agency server which transmits the card company server to the card company server and receives a response to the card company server; A settlement agent server connected to the settlement agent server to claim the purchase using the purchase billing data generated by the captured electronic sales slip information, and to provide the merchant with the result of deposit or return of the purchase bill; And a credit card transaction approval request from the payment agency server, and transmits the approval result of the transaction history to the affiliated store payment terminal through the payment agency server, and determines whether to deposit or return the purchase request. It characterized in that it comprises a server.

In addition, according to the present invention for achieving the above object, the credit card payment and settlement method through the capture of the electronic sales slip using the "pre-transaction electronic signature transmission method", credit card information and at the merchant payment terminal for credit settlement; A first step of inputting transaction history information on the current transaction; A second step of searching whether the electronic signature information of a previous transaction is stored in the merchant payment terminal; If the electronic signature information of the last transaction is stored, the merchant payment terminal transmits the transaction history information of the current transaction and the electronic signature information of the last transaction to the payment agency server, and grants the transaction approval for the current transaction history. Requesting third step; The payment agent server stores the electronic signature information of the immediately preceding transaction, requests the transaction history approval to the card company server, which is the approval institution of the credit card, receives a response accordingly, and sends the approval result to the merchant payment terminal. A fourth step of transmitting; The merchant payment terminal checks the response and receives an electronic signature of a card member for the current transaction; The merchant payment terminal outputs the sales transaction form using the approval result of the current transaction and the electronic signature information of the current transaction, and stores the electronic signature of the current transaction; And a seventh step of capturing an electronic sales slip by combining the electronic signature information of the last transaction and the previously stored previous transaction history information from the payment agency server, and using this to create a purchase request data and transmit it to a card company server. Characterized in that.

In addition, credit card payment and settlement method through the electronic sales slip capture using the "current transaction electronic signature simultaneous transmission method" in accordance with the present invention for achieving the above object, the current transaction in the merchant payment terminal for credit settlement Receiving transaction details and an electronic signature for the transaction; Requesting a transaction approval by transmitting the current transaction history information and the electronic signature from the merchant payment terminal to a payment agent server; The payment agent server stores the electronic signature information, requests the transaction history approval to the card company server which is the approval authority of the credit card, receives the approval response accordingly, and stores the approval transaction details, and stores the approval result. Transmitting to the merchant payment terminal; The merchant payment terminal outputs the sales slip form using the approval result of the current transaction and the electronic signature information of the current transaction; Verifying whether an electronic sales slip for each transaction is normally captured by matching the transaction history information and the electronic signature information stored in the payment agent server; Generating a purchase request file for each card company according to whether the electronic sales slip is normally captured, and requesting credit payment for each merchant by transmitting the purchase request file for each card company to the corresponding card company; And determining, by the card company server, the purchase request details to determine whether to deposit or return the funds, and providing the determination result information to the settlement agent server.

Also, according to the present invention for achieving the above object, the credit card payment and settlement method using the electronic sales slip capture using the "transmitting the electronic signature after the current transaction approval response" is present in the merchant payment terminal for credit settlement. Receiving transaction history information on the transaction; Requesting a transaction approval by transmitting the current transaction history information from the merchant payment terminal to a payment agent server; The payment agent server requests the approval of the transaction history to the card company server, which is the approval authority of the credit card, receives and stores the approval response accordingly, and transmits the approval result to the merchant payment terminal; The merchant payment terminal receives the electronic signature for the current transaction when receiving the approval response from the payment agent server, and outputting the sales transaction form using the current transaction approval result and the current transaction electronic signature information; The merchant payment terminal directly transmits the current transaction electronic signature to the payment agent server without ending the session even after the sales slip; The payment agent server capturing and storing the current transaction digital signature in a database; Verifying whether an electronic sales slip for each transaction is normally captured by matching the transaction history information and the electronic signature information stored in the payment agent server; Generating a purchase request file for each card company according to whether the electronic sales slip is normally captured, and requesting credit payment for each merchant by transmitting the purchase request file for each card company to the corresponding card company; And determining, by the card company server, the purchase request details to determine whether to deposit or return the funds, and providing the determination result information to the settlement agent server.

In addition, credit card payment and settlement method using the electronic sales slip capture using the "electronic signature batch transmission method" according to the present invention for achieving the above object, the transaction for the current transaction in the merchant payment terminal for credit settlement Receiving history information; Requesting a transaction approval by transmitting the current transaction history information from the merchant payment terminal to a payment agent server; The payment agency server requests the transaction history approval from the card company server, which is the approval authority of the credit card, receives a response according to the request, stores the approval transaction details, and transmits the approval result to the affiliated payment terminal; Receiving electronic signature information on the current transaction through a signature input unit of the affiliated payment terminal; The merchant payment terminal outputs a sales slip form using the approval result of the current transaction and the electronic signature information of the current transaction; The merchant payment terminal transmitting the electronic signature to a payment agent server in a batch when the electronic signature data is accumulated or predetermined time by a predetermined amount; Verifying whether an electronic sales slip for each transaction is normally captured by matching the transaction history information and the electronic signature information stored in the payment agent server; Generating a purchase request file for each card company according to whether the electronic sales slip is normally captured, and requesting credit payment for each merchant by transmitting the purchase request file for each card company to the corresponding card company; And determining, by the card company server, the purchase request details to determine whether to deposit or return the funds, and providing the determination result information to the settlement agent server.

DETAILED DESCRIPTION A detailed description of preferred embodiments of the present invention will now be described with reference to the accompanying drawings. It should be noted that reference numerals and like elements among the drawings are denoted by the same reference numerals and symbols as much as possible even though they are shown in different drawings. In the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

3 is a block diagram of a credit card payment and settlement system according to an embodiment of the present invention.

As shown in Figure 3, the credit card payment and settlement system according to the present invention, the merchant payment terminal 100, the merchant payment terminal 100 and the payment agency server 300 is connected through the communication network 200 And, the electronic sales document output 400 connected to the payment agency server 300, settlement agency server 500 connected to the payment agency server 300, settlement information providing server connected to the settlement agency server (300) 600, and the card company server 700 connected with the payment agency's servers (300,500).

Here, the communication network 200 may be mainly implemented as a general telephone network (PSTN) or an Internet network (ADSL), but is not limited thereto. Depending on the implementation of the credit card payment system, a dedicated communication network (Leased Line) or other communication systems may be used. It may also be implemented as a wireless communication network.

The merchant payment terminal 100 includes a card reader 101, a keypad 102, a signature input unit 103, a communication unit 104, a printing unit 105 and a storage unit 106. The merchant payment terminal 100 is installed in an affiliated store having a merchant contract with a card company, and a plurality of merchants may be installed in one affiliated store. A card member who has been issued a credit card from a card company visits a merchant to use a desired product or service, and then contacts his or her credit card to the payment terminal 100 provided in the merchant for payment thereof. The merchant payment terminal 100 reads the credit card using the card reader 101 to obtain credit card information. And generating and transmitting an approval request message including transaction history information input through a keypad 102 or a separate barcode reader (not shown) and electronic signature information immediately stored in the storage unit 106, and responding thereto. Receive a message and perform a credit card payment. Here, the transaction information transmitted includes the credit card information. In addition, the merchant payment terminal 100 receives the electronic signature from the card member using the signature input unit 103, converts the input electronic signature into electronic data and the corresponding transaction details through the printing unit 105 After outputting the electronic sales slip including the electronic signature in the form of a paper sales slip, the electronic signature is encrypted and stored in the storage unit 106. (At this time, the sales slip provided to the customer may omit the signing factor and print it out in the form of a receipt that prints only the transaction details.Then, if the credit card company requests the settlement agency to present the sales slip for the transaction due to the complaint, It may also be configured to output and present an electronic sales slip including the signature of the same). In addition, the storage unit 103 may store one electronic signature, and a plurality of electronic signatures may be continuously stored until each electronic signature is normally transmitted to the payment agency server. The signature input unit 103 preferably includes a tablet or tablet with a cord or wireless connection. In the present invention, when the signature input unit 103 writes his or her own signature by contacting with a tablet (tablet) with a pen (or puck) when paying a credit card in the merchant payment terminal 100, the screen of the merchant payment terminal corresponds thereto. By drawing an image, and realizing the data in real time and preferably encrypting the image, it can be implemented so that the digital signature information is not illegally stolen or leaked. When drawing or tracing with the pen (or puck) and tablet, a series of x and y coordinates are created that represent a continuous flow or endpoint of coordinates, such as a graphics tablet, digitizer tablet, and electronic tablet. There is this. The communication unit 104 functions as an interface with the communication network 200. Thereafter, the merchant payment terminal 100 transmits the electronic signature information stored as described above to the payment agency server 300 through the communication network 200 together with the approval request information of the next transaction.

The payment agent server 300 includes a transaction history database (DB) 301 and an electronic signature database (DB) 302. The payment agent server 300 may be a value added network (VAN) server that provides a credit card inquiry service and a cash receipt issuing service. The payment agency server 300 performs a function of checking whether the credit card is normal at the time of the credit card transaction at the merchant payment terminal 100 and relaying the card company server 700.

In addition, the payment agent server 300 receives the current transaction history information and the last transaction electronic signature information transmitted from the merchant payment terminal 100 through the communication network 200, the last transaction electronic signature is a database 302 After storing in, the card company server 700 requests the transaction approval for the current transaction history information. The payment agent server 300 may prepare an electronic sales slip using the stored electronic signature information. That is, after storing the sales slip history including the electronic signature as electronic data, it can be prepared and presented through the electronic sales slip output 400 at any time if necessary. At this time, the electronic sales slip output 400 decodes the electronic signature information encrypted and stored in the payment agency server 300 and restores the original image, which is printed on a paper sales slip form or converted into a computer image file to the card company. Can be provided by e-mail. As described above, when the electronic signature is normally received, the payment agent server 300 transmits a message indicating that the electronic signature is normally received to the affiliated store payment terminal 100. The message may be transmitted to the affiliated store payment terminal 100 together with the approval result message for the current transaction history information.

The card company server 700 includes a card member database (DB) 701, a merchant database (DB) 702, an approval history database (DB) 703, and a settlement history database (DB) 704, respectively. In the database (701 ~ 704) of the card member information, merchant information, authorization information and settlement information is divided and stored and managed. The card company server 700 receives the approval request for the details of the current transaction from the payment agency server 300, and transmits the approval result for the request to the payment agency server 300.

When the credit card transaction approval and the electronic signature are transmitted in the same manner as described above, the settlement agency server 500 checks the transaction information 301 and the corresponding electronic signature information 302 of the payment agency server 300 on a daily basis. ) To verify the normal capture of the combined electronic sales document. And the settlement agent server 500 prepares the purchase billing data for each card company using the electronic sales slip information captured by the payment agency server 300, and then transfers the purchase billing data to each card company server 700. The purchase request data is stored and managed in the purchase request database (DB) 501. At this time, the settlement agency server 500 writes a claim pending data for transactions (e.g. missing, damaged or overlapping transaction details) in which the electronic sales slip is not normally captured, and submits supporting data to the corresponding merchants. request.

On the other hand, the card company server 700 by verifying its own merchant information 702 with the purchase billing data received from the settlement agency server 500 distinguishes between normal and possible deposit transactions and whether or not to deposit or return The result is returned to the settlement agency server 500. Then, the settlement agency server 500 stores and manages the settlement information such as deposit or return data received from each card company server 700 in a deposit / transfer database (DB) 502, and stores and manages the settlement information providing server ( Through 600), it is possible to provide settlement information at each merchant through a merchant payment terminal, the Internet, etc., and a credit sales report may be prepared for each merchant for a predetermined period of time, such as SMS, email, or mail.

4A is a flowchart illustrating a process of processing a credit card payment and settlement system using a "pre transaction electronic signature transmission method" according to an embodiment of the present invention.

Here, the "previous transaction electronic signature transmission method" means that after the transaction approval of the credit card is normally completed, the electronic signature of the customer is received and stored, and when the authorization request information for the next transaction occurs, This is how the signature is sent together. Referring to FIG. 4A, when a credit card member uses goods or services and pays with a credit card for a credit settlement, the merchant payment terminal 100 receives the credit card information by reading the credit card. After (S401), and establishes a connection with the payment agency server 300 through the communication network (200) (S402). The merchant payment terminal 100 receives the transaction history information for the current transaction including the credit card information (S403), and receives a connection response from the payment agency server 300 when the connection is set up (S404) In operation S405, the electronic signature information previously stored in the previous transaction and the approval request information regarding the current transaction history are transmitted to the settlement agent server 300 (S405). The payment agent server 300 stores the electronic signature information of the immediately preceding transaction in the electronic signature DB (302). In this process, the payment agent server 300 is to store the transaction history information for the last transaction in advance in the transaction history DB (301), and combines the pre-stored last transaction history information with the electronic signature of the last transaction currently received. It is possible to capture the electronic sales slip for the last transaction (S406). The transaction information is transmitted to the card company server 700 to request transaction approval (S407). The card company server 700 responds to the payment agency server 300 the approval result of the current transaction details by using the credit information of the card member (S408). Subsequently, the payment agent server 300 stores the current transaction details and credit card company's approval result information on the transaction history in the transaction history DB 301, and whether the previous transaction electronic signature is normally received and the The current transaction approval result is responded to the affiliated store payment terminal 100 (S409). Subsequently, when the merchant transaction terminal 100 responds that the previous transaction electronic signature is normally received, the merchant payment terminal 100 deletes the previous transaction electronic signature, and through the signature input unit 103 from the card member for the current transaction. Receive the input (S410), and output the electronic sales slip (receipt) of the current transaction in the form of a paper sales slip to the card member and at the same time encrypts the current transaction electronic signature information and stores it in the storage 106 (S411). ). As such, the electronic signature of the current transaction stored in the merchant payment terminal 100 is transmitted to the payment agent server 300 together with the transaction information or settlement information of the next transaction (S412). When the electronic signature of the current transaction is transmitted to the payment agent server 300 during the next transaction or settlement transaction, the payment agent server 300 verifies whether the electronic signature of the current transaction is normally received and stores the data in the database 302. In operation S413, an electronic sales slip of the current transaction is captured.

After that, the settlement agency server 500 generates purchase request data for each card company based on the electronic sales slip capture result of the payment agency server 300 (S414), and transmits the purchase request request data for each merchant to each card company (S415). . In response to this, the card company server 700 determines whether to deposit / return for each merchant by verifying credit information and purchase request data of the merchant and responds to the settlement agent server 500 (S416). The settlement agency server 500 collects the deposit or return response of each card company and collects the data related to the deposit or return from the affiliated store payment terminal 300 or the Internet at the affiliated store through the settlement information providing server 600. Provided for inquiry by PC, etc. (S417). Subsequently, each card company deposits the corresponding credit sales price into the payment account of each affiliated store based on the deposit / return data (S418). Then, when a credit card company requests a payment slip to a payment agency when a complaint occurs, such as a card member (S419), the payment agency stores the transaction history information stored in the transaction history DB 301 and the electronic signature information stored in the electronic signature DB 302. After searching, matching the transaction details and electronic signature information for each transaction, the corresponding electronic sales slip information is output to the image file or paper sales slip form (S420), and presented to the credit card company (S421).

In the affiliated store payment terminal 100, preferably, if the normal reception of the last transaction electronic signature is answered, the previously stored transaction digital signature is deleted. However, this is only an example, and the merchant payment terminal 100 checks whether the electronic signature is normally received as much as the set number or in case the merchant payment terminal storage unit 106 permits and keeps storing it. You can also do it.

If the merchant payment terminal 100 receives a response from the payment agent server 300 that the previous transaction electronic signature was not normally received in step S409, the previous transaction electronic signature is not deleted. Save it. In this case, the merchant payment terminal 100 continues to attempt to transmit the digital signature stored in a state in which normal reception is not completed until the next transaction or settlement transaction until the normal reception is completed from the payment agency server 300. do.

In addition, although not shown in the drawing, when the electronic signature of the current transaction is entered in the merchant payment terminal 100, when an error occurs in the signature input unit 101 and the electronic signature is not input, the paper sales slip is forcibly output. Instead of the electronic signature, the card member can directly sign the paper sales slip with a pen, and then the payment agency can collect and store it. In this case, since the electronic signature of the previous transaction does not exist in the next transaction, only the transaction history information of the next transaction is transmitted to the payment agency server 300, and at the same time, the payment is notified that the electronic signature has not been entered in the previous transaction. It is advisable for the agency to take action to collect and verify the evidence, such as paper sales slips, for the transaction.

In addition, although not shown in the drawing, the merchant payment terminal 100 transmits the current transaction history information and the last transaction electronic signature to the payment agency server 300 and requests approval, and then immediately before the payment agency server 300. If the electronic signature has been successfully received but the current transaction is rejected, the previous transaction digital signature should be deleted, but the sales slip without input of the cardholder's signature for the current transaction. Also, since the electronic signature of the previous transaction does not exist in the next transaction, only the details of the next transaction are transmitted to the payment agency server 300.

FIG. 4B is a flowchart illustrating an efficient data transmission method for capturing an electronic sales slip using a "pre-transaction electronic signature transmission method" and a database process thereof according to an embodiment of the present invention.

First, descriptions of the symbols used in FIG. 4B are shown in Table 1 below.

sign Contents Di Transaction approval request information for the i transaction Di ' Transaction approval response information for the i transaction Si Digital signature information of the i transaction ED (Si) Electronic sales document for the i transaction

Referring to FIG. 4B, referring to information transmitted between components of the present invention from the first transaction to the nth transaction and information captured in a database (or storage) of each component, the merchant payment terminal (1) 100 transmits the approval request data (D1) to the payment agency server 300 through the communication network (200) (S431). Then, the payment agent server 300 relays it to the card company server 700 (S432), receives the approval response data (D1 ') and stores it in the transaction history DB 301 (S433). The approval result is transmitted to the affiliated payment terminal 100 (S434). Subsequently, after confirming the approval result, the affiliated store payment terminal 100 receives the card member's signature (S1), outputs an electronic sales slip (ED (S1)), and sends the card member's signature (S1) to the merchant's payment terminal. It is stored in the storage unit 106 (S435).

Since the second transaction occurs, the merchant payment terminal 100 transmits the approval request data and the previous transaction electronic signature information (D2 + S1) together with the payment agency server 300 through the communication network (200) (S436). Then, the payment agent server 300 stores the last transaction digital signature (S1) in the electronic signature DB 302, and relays the authorization request data (D2) to the card company server 700 to the approval response data (D2 ') is received and stored in the transaction history DB (301) (S437, 438). Subsequently, the payment agent server 300 transmits a response to whether the approval result D2 ′ and the previous transaction electronic signature S1 are normally received to the affiliated store payment terminal 100 (S439). Then, after confirming the approval result (D2 ') and the signature reception response, the affiliated payment terminal 100 deletes the last transaction electronic signature (S1) from the storage unit 106, and the card member for the current (second) transaction. After receiving the signature (S2) of the electronic sales slip (ED (S2)) and outputs, the card member's signature (S2) for the current transaction is stored in the storage unit 106 of the merchant payment terminal (S440). .

Thereafter, the information transmitted in each step and the database process thereof are repeated until the n th transaction occurs (S441 to 445). Then, if the merchant requests a settlement transaction after closing the one-day transaction at the nth transaction, the merchant payment terminal 100 stores the last transaction electronic signature (Sn) stored in the storage unit 106 together with the settlement request information. When transmitting to the payment agent server (300) (S446), and receives a response (S447), and deletes the last transaction electronic signature (Sn) and outputs a settlement report (S448). Through this process, the payment agent server 300 stores the transaction details (D1 '+ D2' + ... + Dn ') stored in the transaction history DB 301 and the electronic signature (S1 + S2 +) stored in the electronic signature DB 302. ... + Sn) can be combined to create an electronic sales slip, which causes the merchant's payment terminal to capture information with the same details as the electronic sales slip (ED (Si)) provided to the cardholder for every transaction. Will be. Such a series of processes can be shown in Table 2 below.

step Storage (106) Transaction History DB (301) Digital Signature DB (302) Electronic Sales Document Capture Process 1st deal S1 D1 ' - - 2nd deal S2 D1 '+ D2' S1 ED (S1) . . .. . . . . . . nth deal Sn D1 '+ D2' + ... + DN ' S1 + S2 + ... + Sn-1 ED (S1) + ED (S2) + ... + ED (Sn-1) Settlement transaction - - S1 + S2 + ... + Sn ED (S1) + ED (S2) + ... + ED (Sn)

As can be seen in Table 2, since the storage unit confirms that the last transaction e-signature is normally received after every transaction and deletes it, the e-signature is not stored after the settlement transaction, and the transaction history DB 301 is used for every transaction. By capturing the approval result information every time, when the nth transaction occurs, all the details are already secured in real time, and the electronic signature DB 302 can be seen that the one transaction is delayed by capture. Therefore, the last nth transaction can be captured in the settlement transaction or the next day's transaction. Whether the digital signature (Sn) of the last nth transaction has not been captured by 24 hours on the day, will it be included in the purchase billing file? It may be decided by the settlement agency and credit card company's risk management policy or by mutual agreement.

5 is a detailed flowchart illustrating a credit card payment process using a "pre-transaction digital signature transmission method" according to an embodiment of the present invention.

Referring to FIG. 5, when a card member presents a credit card for a credit card payment at a merchant, the merchant payment terminal 100 reads the credit card and receives credit card information (S501). Connection is established (S502), and waits for input of transaction details in the current transaction (S503). If the transaction history information of the current transaction is not input to the affiliated store payment terminal 100, the process continues to wait. If the transaction history information of the current transaction is input to the merchant payment terminal 100, the next procedure is performed (S504). After the current transaction history information is input, the merchant payment terminal 100 determines whether the electronic signature information of the last transaction is stored in the storage unit 106 (S505). For example, when the merchant payment terminal 100 is used for the first time or initialized due to a failure, or in a previous transaction, a payment error, approval rejection, inability to input an electronic signature, session termination due to time-out, and the like. If the electronic signature is not input in the last transaction due to the same cause, the electronic signature of the last transaction does not exist in the storage unit 106.

As a result of the determination in step S505, if the electronic signature information of the last transaction exists in the storage unit 106, the merchant payment terminal 100 is the transaction history information of the input current transaction and the stored previous transaction The electronic signature information is also transmitted to the payment agency server 300 to request transaction approval for the current transaction (S506). Subsequently, the payment agent server 300 may capture the electronic sales slip for the last transaction by combining the transaction history of the previous transaction and the electronic signature information of the immediately received transaction. If necessary, the electronic signature information of the immediately preceding transaction is stored in the database 302 for use in restoring the captured electronic sales slip (S507). At the same time, the payment agency server 300 requests the transaction approval for the current transaction by transmitting the history information of the current transaction sent to the card company server 700 (S509).

On the other hand, if the electronic signature information of the previous transaction does not exist in the storage unit 103 as a result of the determination in step S505, the merchant payment terminal 100 is settled only the transaction history information of the current transaction entered By transmitting to the agency server 300, the approval for the current transaction is requested (S508). Then, the payment agent server 300 requests the transaction approval for the current transaction to the card company server 700 with respect to the transaction history information of the current transaction (S509).

Subsequently, the payment agency server 300 receives the result of the transaction approval request of the current transaction from the card company server 700 (S510), and transmits it back to the merchant payment terminal 100 (S511). At this time, in step S511, the payment agent server 300 notifies the affiliated payment terminal 100 of whether the electronic signature information of the immediately preceding transaction has been normally received, together with the affiliated payment terminal 100. Ensures that it is acceptable to delete the digital signature of the last transaction. In addition, in step S511, the payment agent server 300 transmits an identification code for identifying whether the current transaction is an electronic sales slip transaction or a paper sales slip transaction to the affiliated payment terminal 100.

Then, the merchant payment terminal 100 determines whether the current transaction is an electronic sales slip transaction or a paper sales slip transaction (S512). If the current transaction is a transaction based on the electronic sales slip, the card member inputs the signature to the signature input unit. After the description (S513), and outputs the electronic sales slip in the paper sales slip form to the customer, and stores the current electronic signature described above (S514). On the other hand, if the current transaction in the step (S512) is a credit card that can not be traded by the electronic sales slip, the paper sales slip is immediately output (S515), the card member writes the signature on the paper sales slip, not the signature input unit (S516), it is preferable to classify so as to request a purchase by a paper sales slip separately from the card company.

As described above with reference to FIG. 5, the "previous transaction digital signature transmission method" is required to be signed by the customer after confirming that the transaction approval is normally completed. It is not different, and there is an advantage that the customer does not feel uncomfortable in the credit transaction. In addition, when receiving a transaction approval response message as in the related art, after completing the communication, the merchant payment terminal receives the customer's signature on the corresponding transaction and outputs an electronic sales slip. There is an advantage that no waste of resources occurs. In addition, this method has an advantage that it is easier to cope with the situation where some credit card companies that do not adopt the credit card payment method by electronic sales statement coexist. That is, the payment agent server may transmit an approval response message, and may indicate whether the corresponding credit card transaction is a transaction that should output an electronic sales slip including an electronic signature or a transaction that should output a paper sales slip. In addition, in this method, credit card transactions are generated by each affiliate and only one difference occurs between capturing the corresponding electronic signatures. Therefore, credit sales are determined by confirming the purchase data by checking whether the electronic sales slip is normally captured. The advantage is that the payment settlement system can be improved.

6 is a detailed flowchart illustrating a settlement process of a credit selling price according to an exemplary embodiment of the present invention.

As shown in Figure 6, the settlement agency server 500 is a transaction history of the settlement agency server 300 in a unit of a certain period (usually closes the day of the day based on 24 hours daily and performs the settlement business) A batch matching operation is performed for each transaction on the transaction history information stored in the DB 301 and the electronic signature information stored in the electronic signature DB 302 (S601) to verify whether the electronic sales slip for each transaction is normally captured ( S602). If the electronic sales slip is normally captured as a result of the verification in step S602, that is, a transaction request file for each card company is generated for a transaction in which transaction details of each transaction and electronic signature information are normally matched and stored ( S603), and sends a purchase request file to the card company server to request the payment of the credit sales price for each merchant (S607). On the other hand, for a transaction in which the electronic sales slip is not normally captured as a result of the verification in step S602, a billing pending file FILE is generated by the affiliate store (S604), and the supporting data is submitted to the corresponding merchant. It is required to supplement (S605). And when the merchant submits the transaction evidence for the request of the step (S605), the validity of the submitted transaction evidence is verified (S606), and the transaction is recognized in the purchase request file for each card company (S606) S603), it is required to submit additional supporting data for the transaction whose validity cannot be recognized (S605).

On the other hand, each card company server 700 receives the purchase request file from the settlement agency server 500, verifying the purchase request information and credit information, debt and debt information of each merchant, the deposit or return for the purchase request Determining whether or not (S608), and transmits the determination result information to the settlement agency server 500 of the settlement agency (S609), each merchant in the corresponding merchant account in accordance with the result information to the merchant account in accordance with the result information. Deposit the credit sales price for each star (S610)

In addition, when the settlement agency server 500 receives a result of whether the deposit or return from the card company server 700 (S611), the results of the purchase request of each affiliate through the settlement information providing server 600 by arranging them It is possible to provide the deposit / return information for the inquiry (S612).

On the other hand, the credit card company requests the payment agency to present the sales slip when a complaint occurs (S613), and the payment agency searches the transaction history DB and the electronic signature DB to search the electronic sales slip, and then prints the paper. The sales slip form or computer image file is outputted and presented (S614).

In another embodiment of the present invention, in order to transmit the electronic signature that the customer inputs to the merchant payment terminal 100 to the payment agency server 30, "current transaction electronic signature simultaneous transmission method" is applied. can do. Here, the "current transaction electronic signature simultaneous transmission method" refers to a method of transmitting the electronic signature information of the current transaction together with the authorization request detail information when requesting a credit card transaction approval. The "current transaction electronic signature simultaneous transmission method" reads a credit card in the merchant payment terminal 100 and inputs a transaction amount, and immediately after receiving an electronic signature from the card member through the signature input unit, when requesting approval Sends the current transaction details and digital signature together. However, the "current transaction electronic signature simultaneous transmission method" should wait until the completion of the electronic signature input from the customer, even if the transaction history information input to the merchant payment terminal 100 is completed. In addition, since the transaction approval request information is transmitted only after the input of the electronic signature is completed, the waiting time becomes longer in the state connected to the communication network 200. Therefore, the "current transaction electronic signature simultaneous transmission method" is that the merchant network 200 is always connected to the merchant payment terminal 100, rather than a small merchant connected to the merchant telephone payment terminal 100 general telephone network. It can be used efficiently in ADSL or leased line environment. In another embodiment of the present invention, there is a difference in applying the "current transaction e-signature simultaneous transmission method" when transmitting an electronic signature, but the credit card payment process is the same as the payment process shown in FIG. In addition, the detailed process shown in FIG. 6 is equally applied to the settlement process of the credit card price.

In detail, the credit card payment and settlement process through the electronic sales slip capture according to another embodiment of the present invention is performed as follows. First, the customer receives the transaction details of the current transaction and the electronic signature of the customer in the merchant payment terminal 100 for credit settlement for the purchase of goods or service use. Subsequently, the affiliated store payment terminal 100 requests the transaction approval by transmitting the current transaction history information and the electronic signature to the payment agency server 300. Then, the payment agent server 300 stores the electronic signature information in the internal electronic signature DB 302, and requests the transaction history approval to the card company server 700, which is the approval authority of the credit card. Then, the card company server 700 transmits a response to the authorization request to the payment agency server 300. Thereafter, the payment agent server 300 receives the approval result, stores the approved transaction details in the internal transaction history DB 301, and also transmits the approval result to the affiliated store payment terminal 100. Then, the merchant payment terminal 100 outputs the sales slip form using the approval result of the current transaction and the electronic signature information of the current transaction. For settlement, the settlement agency server 500 verifies whether the electronic sales slip for each transaction is normally captured by matching the transaction history information and the electronic signature information stored in the settlement agency server 300. In addition, the settlement agency server 500 generates a purchase request file for each card company according to whether the electronic sales slip is normally captured, and transmits the purchase request file for each card company to the corresponding card company to request credit payment for each merchant. . Finally, the card company server 700 may determine whether to deposit or return by verifying the purchase request details, the settlement result may be provided to the settlement agency server 500 by providing the determination result information.

In addition, in another embodiment of the present invention, in order to transmit the electronic signature entered by the customer in the merchant payment terminal 100 to the payment agency server 30, "transmitting the electronic signature after the current transaction approval response; "Can be applied. Here, "transmitting electronic signature after approval of current transaction" means that when requesting credit card transaction approval, only the approval request information of the current transaction is transmitted, and when receiving an approval response, input the electronic signature of the current transaction. Receives the sales slip, and outputs immediately the electronic signature information of the current transaction refers to a method for transmitting to the payment server (300). In the "transmitting electronic signature after the current transaction approval response", even if receiving the approval response from the merchant payment terminal (100), the sales slip received the electronic signature from the card member without ending the session with the payment agency server (300) After printing, the process of transmitting the electronic signature of the current transaction to the settlement server is successively performed. In this method, the approval request process and the digital signature transmission process must be performed separately in one transaction approval process, and the communication session must be kept open even while the electronic signature is input. Therefore, the "electronic signature transmission method after the current transaction approval response" can also be efficiently used in the ADSL or leased line environment in which the communication network 200 is always connected to the merchant payment terminal 100. The embodiment differs from other embodiments in that the electronic signature is transmitted after the current transaction approval response is transmitted when the electronic signature is transmitted, but the credit card payment process is the same as the payment process shown in FIG. In addition, the detailed process shown in FIG. 6 is equally applied to the settlement process of the credit card price.

In detail, a credit card payment and settlement process through an electronic sales slip capture according to another embodiment of the present invention is performed as follows. First, the customer receives transaction history information on the current transaction in the merchant payment terminal 100 for credit settlement for the purchase of goods or service use. Subsequently, the affiliated store payment terminal 100 requests the transaction approval by transmitting the current transaction history information to the payment agency server 300. Then, the payment agent server 300 requests the transaction history approval to the corresponding card company server 700 that is the credit card approval authority. Then, the card company server 700 transmits a response to the authorization request to the payment agency server 300. Thereafter, the payment agency server 300 receives the approval result, stores the approved transaction details in the internal transaction history DB 301, and transmits the approval result to the affiliated store payment terminal 100. Then, the merchant payment terminal 100 receives the electronic signature of the current transaction from the customer through the signature input unit 103, the sales slip form using the approval result of the current transaction and the electronic signature information of the current transaction Output to Subsequently, the merchant payment terminal 100 immediately transmits the current transaction electronic signature to the payment agent server 300 without ending the communication session. The payment agency server 300 then receives the current transaction digital signature and stores it in the electronic signature DB 302. After that, for the settlement, the settlement agency server 500 verifies whether the electronic sales slip for each transaction is normally captured by matching the transaction history information and the electronic signature information stored in the settlement agency server 300. In addition, the settlement agency server 500 generates a purchase request file for each card company according to whether the electronic sales slip is normally captured, and transmits the purchase request file for each card company to the corresponding card company to request credit payment for each merchant. . Finally, the card company server 700 may determine whether to deposit or return by verifying the purchase request details, the settlement result may be provided to the settlement agency server 500 by providing the determination result information.

In addition, in another embodiment of the present invention, in order to transmit the electronic signature that the customer inputs to the merchant payment terminal 100 to the payment agency server 30, the "signature batch transmission method (electronic signature)" is applied. can do.

Here, the "signature batch transmission method" means that the electronic signature data is accumulated or accumulated at a certain amount of time after continuing to store only the merchant payment terminal 100 without transmitting the electronic signature when requesting a transaction approval. In general, it refers to a method of transmitting an electronic signature. Since the "signature batch transmission method" transmits a large amount of data at a time, there is a high possibility of a communication error, and if the merchant does not consciously perform a check to periodically transmit the electronic signature, the electronic signature There may be a problem that only the merchant payment terminal is stored in the state that is not captured for a long time. Thus, "signature batch transmission" can be used efficiently in large retail stores that have their own computerized systems or are operated by well-trained employees. In another embodiment of the present invention, there is a difference in applying a "batch transmission method" when transmitting an electronic signature, but the credit card payment process is the same as the payment process shown in FIG. In addition, the detailed process shown in FIG. 6 is applied to the settlement process of the credit card price.

In detail, a credit card payment and settlement process through an electronic sales slip capture according to another embodiment of the present invention is performed as follows. First, in order for a customer to make a credit payment for purchasing an item or using a service, the merchant payment terminal 100 receives the transaction history information for the current transaction and then transmits the current transaction history information to the payment agency server 300 to approve the transaction. Ask. Then, the payment agent server 300 requests the transaction history approval to the corresponding card company server 700 that is the approval authority of the credit card and receives a response accordingly. Thereafter, the payment agent server 300 stores the approved transaction details in the internal transaction history DB 301 and transmits the approval result to the affiliated store payment terminal 100. Then, the merchant payment terminal 100 receives the electronic signature of the current transaction through the signature input unit 103 and outputs it to the sales slip form, and stores the electronic signature of the current transaction in the internal storage unit 106. . In addition, the merchant payment terminal 100 repeats the transaction settlement process as described above several times, so that the merchant payment terminal 100 accumulates the electronic signature data in a predetermined amount in the storage unit 106 therein or at a predetermined time. The electronic signature stored in the storage unit 106 is transmitted to the payment agency server 300. Then, the payment agent server 300 receives the electronic signature and stores it in the internal digital signature DB (302). For settlement, the settlement agency server 500 verifies whether the electronic sales slip for each transaction is normally captured by matching the transaction history information and the electronic signature information stored in the settlement agency server 300. In addition, the settlement agency server 500 generates a purchase request file for each card company according to whether the electronic sales slip is normally captured, and transmits the purchase request file for each card company to the corresponding card company to request credit payment for each merchant. . Finally, the card company server 700 may determine whether to deposit or return by verifying the purchase request details, the settlement result may be provided to the settlement agency server 500 by providing the determination result information.

The detailed description and drawings described above describe the technical idea of the credit card payment and settlement system and its method according to the present invention, and since the best embodiments of the present invention have been described by way of example, the present invention is provided herein. It is not limited to.

In particular, the operation between the merchant payment terminal and the payment agent server as an embodiment of the present invention has been described by way of example in the drawings and detailed description, but may be changed within the scope without departing from the spirit of the present invention. For example, in the present invention, the electronic signature DB of the card member is configured to be stored and managed by a payment agency, which can be changed to a method of storing the electronic signature DB at each card company server by transmitting it to each card company.

In addition, it is obvious that any person having ordinary skill in the art may make various changes and imitations without departing from the scope of the technical idea of the present invention. Accordingly, the scope of the present invention should not be determined by the foregoing description and drawings, but should be determined by the appended claims.

According to the present invention as described above, to sign the existing paper sales slip as a digital signature through the signature input unit, to capture and store the transaction history containing the electronic signature in the form of an electronic sales slip, Through this, the automatic payment system for credit sales is implemented, which has the following effects.

First, merchants can eliminate the fear of losing sales slips, significantly reduce the cost of storing and managing paper slips, and based on electronic sales slips stored in computer systems in the event of disputes with cardholders. Disputes can be settled quickly, as well as the accuracy of industrial affairs, and an advanced image to digital merchants.

Second, the settlement agency can dramatically reduce the effort and collection costs by visiting the paper sales slip in person, and has the advantage of increasing the efficiency of merchant marketing and management.

Third, the card company can check the normality of the sales slip in real time, and can immediately resolve the dispute by immediately reading the evidence slip in case of dispute, reduce the cost of storing and managing the sales slip, and risk of loss of the sales slip. There is an advantage that can be prevented.

Claims (20)

When credit card information and current transaction details are entered for credit settlement, the current transaction history information and the electronic signature information of the previous transaction are stored at the same time to request authorization and receive the result of the authorization request. Merchant payment terminal for outputting an electronic sales slip; Connected to the merchant payment terminal through a predetermined communication network, by combining the electronic signature information of the last transaction and the previous transaction history information previously captured to capture the electronic sales slip for the last transaction, the request for approval of the current transaction history information A billing agency server which transmits the card company server to the card company server and receives a response to the card company server; A settlement agent server connected to the settlement agent server to claim the purchase using the purchase billing data generated by the captured electronic sales slip information, and to provide the merchant with the result of deposit or return of the purchase bill; And If there is a credit card transaction approval request from the payment agent server, the card company server for transmitting the approval result for the transaction history to the merchant payment terminal through the payment agent server, and determines whether to deposit or return the purchase request; Credit card payment and settlement system through an electronic sales slip capture, comprising a. The method of claim 1, wherein the merchant payment terminal, A signature input unit which receives a signature from a credit card user; A printing unit for outputting the electronic sales slip including the inputted electronic signature in the form of a paper sales slip; And Credit card payment and settlement system through the electronic sales slip capture, characterized in that it comprises a storage for storing the electronic signature. The method of claim 1, wherein the merchant payment terminal, If the electronic signature of the previous transaction is not stored, the credit card payment and settlement system by capturing the electronic sales slip, characterized in that only the transaction history information of the current transaction is transmitted to the payment agent server. The method of claim 1, wherein the payment agent server, An electronic signature database for storing electronic signature information transmitted from the merchant payment terminal; and Credit card payment and settlement system by capturing the electronic sales slip, characterized in that it comprises a transaction history database for storing the transaction history information transmitted from the merchant payment terminal and the card company's approval results for the transaction history. The method of claim 1, wherein the payment agent server, Credit card payment and settlement system through the electronic sales slip capture, characterized in that for transmitting the normal receipt of the electronic signature information of the last transaction to the merchant payment terminal. The method of claim 5, wherein the merchant payment terminal, Credit card payment and settlement system by capturing the electronic sales slip, characterized in that for deleting the electronic signature information of the last transaction in accordance with the normal reception of the electronic signature information of the last transaction. According to claim 1, The settlement agent server, A purchase billing database for storing the purchase bill; And Credit card payment and settlement system through the electronic sales slip capture, characterized in that it comprises a deposit / return database for storing settlement information such as deposit or return data received from the card server. According to claim 7, Credit card payment through the electronic sales slip capture, characterized in that it further comprises an electronic sales slip printer for providing the settlement information stored in the settlement agency server to be viewed on the merchant payment terminal or the Internet; Settlement system. The electronic slip document output device of claim 8, further comprising: decrypting the electronic signature information encrypted and stored in the payment agent server, restoring the original signature image, restoring it to a paper sales slip form, or converting the digital signature information into a computer image file. Credit card payment and settlement system through the electronic sales slip capture, characterized in that it comprises a. The method of claim 1, The predetermined communication network is the Internet network (ADSL) or public communication network (PSTN) credit card payment and settlement system through the electronic sales slip capture, characterized in that. A first step of inputting credit card information and transaction history information on a current transaction at a merchant payment terminal for credit settlement; A second step of searching whether the electronic signature information of a previous transaction is stored in the merchant payment terminal; If the electronic signature information of the last transaction is stored, the merchant payment terminal transmits the transaction history information of the current transaction and the electronic signature information of the last transaction to the payment agency server, and grants the transaction approval for the current transaction history. Requesting third step; The payment agent server stores the electronic signature information of the immediately preceding transaction, requests the transaction history approval to the card company server, which is the approval institution of the credit card, receives a response accordingly, and sends the approval result to the merchant payment terminal. A fourth step of transmitting; The merchant payment terminal checks the response and receives an electronic signature of a card member for the current transaction; The merchant payment terminal outputs the sales transaction form using the approval result of the current transaction and the electronic signature information of the current transaction, and stores the electronic signature of the current transaction; And Comprising a seventh step of capturing the electronic sales slip by combining the electronic signature information of the last transaction and the previous transaction history information previously stored in the payment agency server, and using this to create a purchase request data and to transmit to the card company server; Credit card payment and settlement method through the electronic sales slip capture, characterized in that. The credit card payment and settlement method of claim 11, wherein the fourth step further transmits a reception result response indicating whether the electronic signature of the immediately preceding transaction has been normally received. 12. The method of claim 11, wherein the step 6 further comprises the step of deleting the last transaction digital signature information when the payment terminal confirms that the payment agent server normally received the electronic signature information of the last transaction. Credit card payment and settlement method through the electronic sales slip capture, characterized in that. The electronic sales slip of claim 11, wherein the merchant payment terminal further comprises the step of transmitting the electronic signature information left in the storage unit to the payment agency server when the settlement transaction request is made. Credit card payment and settlement method through capture. The method of claim 14, wherein the seventh step, An eighth step of verifying whether an electronic sales slip of each transaction is normally captured by matching the transaction history information and the electronic signature information stored in the payment agent server; A ninth step of generating a purchase request file for each card company according to whether the electronic sales slip is normally captured, and then requesting a credit payment amount for each merchant by transmitting the purchase request file for each card company to the corresponding card company; The credit card payment by capturing the electronic sales slip, characterized in that the card company server comprises the tenth step of verifying the purchase request details to determine whether to deposit or return, and providing the determination result information to the settlement agency server And settlement method. The method of claim 15, wherein the tenth step, The settlement agent server credit card payment and settlement method by capturing the electronic sales slip, characterized in that the card to provide information on the deposit or return for each card company from the merchant's payment terminal or the Internet. The method of claim 16, When a payment request is submitted from each card company due to a complaint, the payment agency further includes the step of outputting and presenting the electronic sales slip of the transaction by searching the transaction history information and the electronic signature information stored therein. Credit card payment and settlement method through the electronic sales slip capture. Receiving transaction history information and an electronic signature of a current transaction at a merchant payment terminal for credit settlement; Requesting a transaction approval by transmitting the current transaction history information and the electronic signature from the merchant payment terminal to a payment agent server; The payment agent server stores the electronic signature information, requests the transaction history approval to the card company server which is the approval authority of the credit card, receives the approval response accordingly, and stores the approval transaction details, and stores the approval result. Transmitting to the merchant payment terminal; The merchant payment terminal outputs a sales slip form using the approval result of the current transaction and the electronic signature information of the current transaction; Verifying whether an electronic sales slip for each transaction is normally captured by matching the transaction history information and the electronic signature information stored in the payment agent server; Generating a purchase request file for each card company according to whether the electronic sales slip is normally captured, and requesting credit payment for each merchant by transmitting the purchase request file for each card company to the corresponding card company; And The credit card payment and settlement method by capturing the electronic sales slip, characterized in that the card company server to verify the purchase request details to determine whether to deposit or return, and providing the determination result information to the settlement agent server . Receiving transaction history information on a current transaction at a merchant payment terminal for credit settlement; Requesting a transaction approval by transmitting the current transaction history information from the merchant payment terminal to a payment agent server; The payment agent server requests the approval of the transaction history to the card company server, which is the approval authority of the credit card, receives and stores the approval response accordingly, and transmits the approval result to the merchant payment terminal; The merchant payment terminal receives the electronic signature for the current transaction when receiving the approval response from the payment agent server, and outputting the sales transaction form using the current transaction approval result and the current transaction electronic signature information; The merchant payment terminal directly transmits the current transaction electronic signature to the payment agent server without ending the session even after the sales slip output; The payment agent server capturing and storing the current transaction digital signature in a database; Verifying whether an electronic sales slip for each transaction is normally captured by matching the transaction history information and the electronic signature information stored in the payment agent server; Generating a purchase request file for each card company according to whether the electronic sales slip is normally captured, and requesting credit payment for each merchant by transmitting the purchase request file for each card company to the corresponding card company; And The credit card payment and settlement method by capturing the electronic sales slip, characterized in that the card company server to verify the purchase request details to determine whether to deposit or return, and providing the determination result information to the settlement agent server . Receiving transaction history information on a current transaction at a merchant payment terminal for credit settlement; Requesting a transaction approval by transmitting the current transaction history information from the merchant payment terminal to a payment agent server; The payment agency server requests the transaction history approval from the card company server, which is the approval authority of the credit card, receives a response according to the request, stores the approval transaction details, and transmits the approval result to the affiliated payment terminal; Receiving electronic signature information on the current transaction through a signature input unit of the affiliated payment terminal; The merchant payment terminal outputs a sales slip form using the approval result of the current transaction and the electronic signature information of the current transaction; The merchant payment terminal transmitting the electronic signature to a payment agent server in a batch when the electronic signature data is accumulated or predetermined time by a predetermined amount; Verifying whether an electronic sales slip for each transaction is normally captured by matching the transaction history information and the electronic signature information stored in the payment agent server; Generating a purchase request file for each card company according to whether the electronic sales slip is normally captured, and requesting credit payment for each merchant by transmitting the purchase request file for each card company to the corresponding card company; And The credit card payment and settlement method by capturing the electronic sales slip, characterized in that the card company server to verify the purchase request details to determine whether to deposit or return, and providing the determination result information to the settlement agent server .

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