KR100787132B1 - Device and method for printing electronic signature on sales slip - Google Patents

Abstract

The present invention relates to an apparatus and method for receiving an electronic signature for proof of a transaction and printing it on a sales slip when a card member pays a transaction price with a credit card at a credit card merchant.

The sales slip printing apparatus according to the present invention includes: a payment processing unit for transmitting credit card information and transaction history information of a customer inputted for credit settlement to a credit card company server, and processing information according to whether or not to approve it; An electronic signature input unit for inputting the electronic signature of the customer to verify the transaction when the payment is approved for the transaction details; A graphic reconstruction unit which reconstructs a new font by combining at least a portion of a text font corresponding to a predetermined message and a blank image; And a printing unit for continuously printing the reconstructed new font and the electronic signature on a sales slip in a plurality of lines without line spacing.

Merchant payment terminal, payment agency server, card company server, transaction history, electronic signature, credit card, VAN, capture

Description

DEVICE AND METHOD FOR PRINTING ELECTRONIC SIGNATURE ON SALES SLIP}

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 sales slip printed payment information according to the conventional sales slip printing method.

4 is a view showing a 9-pin printing header used in a general sprocket printer.

Figure 5 is a block diagram of a credit card payment and settlement system according to an embodiment of the present invention.

6 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.

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

8 is a detailed configuration diagram of an apparatus for printing an electronic signature on a sales slip according to an embodiment of the present invention.

9 is a view showing a new font reconstructed according to an embodiment of the present invention.

Figure 10 (a) to Figure 10 (d) is a view showing the principle of printing a new font and an electronic signature on the same line on the sales slip according to an embodiment of the present invention.

11 is a view showing a process of printing an electronic signature on the sales slip according to an embodiment of the present invention.

12 is a diagram showing a sales slip printed with a new font and an electronic signature according to an embodiment of the present invention.

Figure 13 is a block diagram of a credit card payment and settlement system according to another embodiment of the present invention.

14 is a view showing a preferred functional configuration of a point of sales (POS) terminal device provided in a general wholesale / retail or service store according to an embodiment of the present invention.

15 is a diagram illustrating a process of printing a reduced / enlarged electronic signature on a sales slip through a POS terminal according to an embodiment of the present invention.

The present invention relates to an apparatus and method for printing a credit card sales slip, and in particular, an apparatus for receiving an electronic signature for proof of a transaction and printing it on the sales slip when a card member pays a transaction price with a credit card at a credit card merchant. It is about a method.

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), Received in response to merchant-specific payment / transport information for each credit card company made a settlement agent server (40), which manages about.

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, requests a transaction approval to the card company server 50, which is the approval institution of the credit card (S26), and receives the processing result accordingly. (S27), and transmits the result back to the merchant payment terminal 10 (S28). The merchant payment terminal 10 automatically outputs three sets of sales slips upon receipt of the approval result by such a procedure, and the card member signs the sales slip by using a pen or the like to confirm that the credit settlement is made. It is made (S29).

Here, one of the three sales slips is collected and stored by the payment agency from the affiliated store. Thereafter, when the card company requests the payment agency to submit the sales slip for reasons such as confirmation of the use of the card member, the settlement agency submits the sales slip in the card company. Then, the card company may check whether the card member is used by himself / herself using the signature on the sales slip collected from the merchant. And the other one of the sales slip is kept at the merchant, the other one is issued as a receipt to the user.

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). .

3 is a sales slip printed with payment information according to a conventional sales slip printing method.

Referring to FIG. 3, the sales slip 60 output from the conventional small merchant payment terminal 10 generally includes a payment approval base 61 and a signature column 62. The sales slip 60 is issued as a slip issued by the credit card user for the transaction proof and billing of the goods or services purchased from the credit card merchant.

The payment approval base unit 61 is an area in which payment information such as a document number, a card type, a member number, a payment amount, and a signature column is described. The signature field 62 is an area in which a user inputs his signature for proof of transaction after transaction approval is completed. In addition, the sales slip 60 may be provided with a guide information area (63, 64, 65) for listing a variety of information, such as advertising, discount coupons or sweepstakes for the merchant or sponsor.

The conventional merchant terminal 10 prints payment information on the sales slip by using a sprocket printer. The sprocket printer rotates the sprocket by a rotating roller. Then, holes 66 formed on both sides of the sales slip 60 are moved over the sprockets and wound around the rollers. And the merchant terminal 10, as shown in Figure 4, by the print header (70) having nine print pins (71) arranged in a line by the sales slip (60) Print on the Here, each of the nine print pins 71 corresponds to a specific portion of the character to be printed and prints the character on the sales slip 60. Therefore, the length l of the nine print pins 71 arranged in a line corresponds to the size of one letter, and the message of one line is moved by horizontally moving the sales slip 60 once. Will print. However, only some of the nine pins may be used to distinguish the size or type of the message output to the sales slip.

Subsequently, when the message is printed on several lines continuously as shown in the guide information area 64 of FIG. 3, the message of the previous line and a predetermined interval (for the user to conveniently recognize the printed information) d) (e.g. spacing of three print pins) and then print the next line of messages. That is, in this case, the print header 70 prints the message of the current line, and then moves downwards by 12-pin intervals to print the message of the next line. The spacing d as much as the pin is formed.

As described above, however, the DDC credit card payment and settlement system still has the inconvenience that the payment agency has to collect the paper sales slip from the merchant, and also keeps the collected paper sales slip in the warehouse, complaints In the event of occurrence, it is necessary to find and present the sales slip individually, and if it is not properly presented, it is responsible for the full amount of the sales price. 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 started to be widely used, captures the digital signature in an internal computer network (LAN) environment having a transmission speed of 10 Mbps, which is a big difference from that of a general telephone network (PSTN) having a transmission speed of only 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, as described above, according to the conventional method of printing a sales slip on a credit card payment system, after the payment is approved, the merchant terminal prints only the payment information on the sales slip, and outputs the same. You will use your pen to enter your signature. Therefore, according to the conventional method, there is a problem that the electronic signature can not be printed on the sales slip output from the merchant terminal.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is to provide a system and method for efficiently capturing electronic signature information of card members from a payment terminal of a small merchant connected to a public communication network such as an ADSL network or a general telephone network. Accordingly, the present invention provides an apparatus and method for printing a sales slip including the electronic signature using a sprocket printer configured in the affiliated payment terminal.

The sales slip printing apparatus according to the present invention for achieving the above object, and transmits the credit card information and transaction history information of the customer input for the credit settlement to the credit card company server, and processing the information according to the approval or not Processing unit; An electronic signature input unit for inputting the electronic signature of the customer to verify the transaction when the payment is approved for the transaction details; A graphic reconstruction unit which reconstructs a new font by combining at least a portion of a text font corresponding to a predetermined message and a blank image; And a printing unit for continuously printing the reconstructed new font and the electronic signature on a sales slip in a plurality of lines without line spacing.

In addition, the sales slip printing method according to the present invention for achieving the above object, the first step of transmitting a credit card information and transaction history information of the customer input for credit payment to the credit card company server requesting the transaction approval; A second step of inputting the electronic signature of the customer to verify the transaction when the settlement of the transaction is made; A third step of reconstructing a new font by combining at least a portion of a text font corresponding to a predetermined message and a blank image; And a fourth step of continuously printing the reconstructed new font and the electronic signature on a sales slip in a plurality of lines without line spacing.

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 the same reference numerals and the same 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.

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

As shown in Figure 5, 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 types of wires 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, an electronic signature input 103, a payment processor 104, a printer 105, and an electronic signature storage 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 and uses a desired product or service, and then, for payment thereof, the card member sends the credit card to the card reader 101 of the payment terminal 100 provided in the merchant. Contact. 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 the keypad 102 or a separate barcode reader (not shown), and the last transaction electronic signature information stored in the electronic signature storage unit 106, The response message is received to 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 electronic signature input unit 103, converts the inputted electronic signature into electronic data and the transaction details through the printing unit 105 After outputting the electronic sales slip including the electronic signature in a paper sales slip form, the electronic signature is stored in the electronic signature storage unit 106 and stored. (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 electronic signature storage unit 106 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 payment processing 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, an affiliated store database (DB) 702, an approval history database (DB) 703, and a settlement database (DB) 704. Each database 701 to 704 stores and manages card member information, merchant information, approval details, and settlement information. 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. The settlement agency server 500 then stores and manages the settlement information such as deposit or return data received from each card company server 700 in a deposit / return 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.

6 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. 6, 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 the electronic signature of the last transaction currently received the pre-stored previous transaction history information and Combining 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 last transaction electronic signature is normally received, the merchant payment terminal 100 deletes the previous transaction electronic signature, and the electronic transaction through the electronic signature input unit 103 for the current transaction. Receiving a signature (S410), and outputs the electronic sales slip (receipt) of the current transaction in the form of a paper sales slip provided to the card member and at the same time encrypting the current transaction digital signature information and stored in the electronic signature storage unit 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 the credit information and the 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 many as the set number or in case the electronic signature storage unit 106 of the merchant payment terminal allows. You can also save it later.

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 immediately preceding transaction digital signature is not deleted. Save it as it is. In this case, the merchant payment terminal 100 attempts to continuously transmit the electronic 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. .

In addition, although not shown in the drawing, when entering the electronic signature of the current transaction in the merchant payment terminal 100, when an error occurs in the electronic 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. In addition, since the electronic signature of the previous transaction does not exist at the next transaction, only the details of the next transaction are transmitted to the payment agency server 300.

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

First, the symbols used in FIG. 7 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. 7, the information transmitted between the components of the present invention from the first transaction to the nth transaction and the information captured in the database (or storage) of each component are described. In the first transaction, the merchant payment terminal ( 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. The electronic signature storage unit 106 is stored (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 electronic signature storage unit 106 and, for the current (second) transaction After receiving the card member's signature (S2) and outputting the electronic sales slip (ED (S2)), the card member's signature (S2) for the current transaction is stored in the electronic signature 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). And, after the nth transaction, if the merchant requests a settlement transaction, closing the 1-day transaction, the merchant payment terminal 100 settles the last transaction electronic signature (Sn) stored in the electronic signature storage unit 106 and requests settlement information. In addition, and transmits to the payment agent server 300 (S446), and receives a response (S447), 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 Digital Signature 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.

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. Another embodiment of the present invention is different in that it applies the "current transaction e-signature simultaneous transmission method" for the electronic signature transmission, other credit card payment process and the settlement process of the credit card payment is shown in Figure 6 and The details shown in FIG. 7 apply equally.

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. Although the embodiment differs from other embodiments in that the electronic signature is transmitted after the current transaction approval response is transmitted, the credit card settlement process and the settlement of the credit sales amount are shown in FIG. 6. And the detailed process shown in Figure 7 applies equally.

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 an electronic signature, the electronic signature There may be a problem that only the merchant payment terminal is stored in the state 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 settlement process and the settlement process of the credit sales amount are shown in FIGS. 6 and FIG. The details shown in 7 apply equally.

8 is a detailed configuration diagram of an apparatus for printing an electronic signature on a sales slip according to an embodiment of the present invention.

Sales slip printing apparatus according to the present invention is configured in the merchant terminal (100). Referring to FIG. 8, the sales slip printing apparatus includes an electronic signature input unit 103, a payment processing unit 104, a printing unit 105, an electronic signature storage unit 106, a font storage unit 107, and a graphic reconstruction unit ( 108).

The payment processing unit 104 functions as an interface with a predetermined communication network 200 connected to the affiliated store terminal 100, credit card information of a customer input to the card reader 101 for credit settlement, and a keypad unit. The transaction history information input through the 102 or the barcode reader is transmitted to the credit card company server 700 through the predetermined communication network 200, and received and processed according to the success or failure of the approval.

The electronic signature input unit 103 receives the electronic signature from the customer to verify the transaction when the payment is approved for the transaction details. The electronic signature input unit 103 may be preferably configured as a tablet or tablet with a cord or a wirelessly connected puck. In the present invention, when the electronic signature input unit 103 writes its signature by touching a screen formed on a tablet with a pen (or puck) when paying a credit card at the merchant payment terminal 100, the pen displays the screen. The pressure is sensed and the corresponding image is drawn on the screen, and the digital signature is generated by realizing the image in real time. And preferably by encrypting the digital signature, it can be implemented so that the electronic signature information is not illegally stolen or leaked. When the digital signature input unit 103 draws or traces a signature or figure on a screen formed on the tablet with a pen (or a puck), a series of x and y coordinates representing a continuous flow or end point of the coordinates are made. Such tablets include graphic tablets, digitizer tablets, and electronic tablets.

The font storage unit 107 stores a font of a predetermined character. Here, the letter includes not only the Korean alphabet and the English alphabet, but also numbers and special characters.

The graphic reconstructing unit 108 functions to reconstruct a new font by combining at least a part of the image of the character font stored in the font storage unit 107 and a blank image in which no character is described. The new font may be formed by combining a partial image and a blank image of the text font or by combining a partial image and a blank image of a plurality of text fonts. For example, as shown in FIG. 9A, the first new font 900 has a blank image 901 at the top and a partial image 902 of the text font at the bottom (for example, Korean character 'ie'). Top image). Also, as shown in FIG. 9B, the second new font 910 has a partial image 911 of the character font (eg, a lower image of the Hangul character 'i'), a blank image in the middle, and a lower portion of the font. Some images 913 (eg, an upper image of the Hangul character 'no') of another character font may be configured to be connected. In addition, as shown in FIG. 9C, the third new font 920 includes a partial image 921 of the character font (eg, a lower image of the Korean character 'no') and a blank image 922 at the bottom thereof. It may be configured to be connected. 9A to 9C, the blank images 901, 912, and 922 form a line spacing d between each character when the new fonts 900, 910, and 920 are stacked on top of each other.

In addition, the graphic reconstructing unit 108 reconstructs a new graphic by dividing the electronic signature input from the electronic signature input unit 103 into a predetermined size. That is, the printing header of the sprocket printer used in the affiliated store terminal is configured to have nine printing pins as described in FIG. Therefore, when the print header of the sprocket printer is used, the size (about 3 mm) is very small when the digital signature is printed on one line. Therefore, in the present invention, the digital signature is divided horizontally (for example, in four portions) so that the divided image is printed one by one each time the print header moves horizontally on the sales slip 60. Can be configured. As such, by printing the electronic signature by horizontally moving the print header four times, the electronic signature may be printed in a size up to about 12 mm on the signature column 62 of the sales slip 60.

The printing unit 105 has a function of continuously printing the new font reconstructed by the graphic reconstructing unit 108 and the electronic signature input from the electronic signature input unit 103 to the sales slip in a plurality of lines without line spacing. do. The printing unit 105 may print the new font and the electronic signature on the same line on the sales slip 60 according to the present invention. This will be described in more detail with reference to FIG. 10.

The controller 109 controls the overall operation of the affiliated store terminal 100. The control unit 109 transmits the credit card information and the transaction history information input to the card reader 101 and the keypad 102 in accordance with the present invention to the card company server 700 through the communication unit 104 for approval. After making a request, the electronic signature inputted to the electronic signature input unit 103 is input to the electronic signature storage unit 106, and then transmitted to the payment agent server 300 at a certain point in time.

10 (a) to 10 (d) are diagrams showing the principle of printing a new font and an electronic signature on the same line on a sales slip according to an embodiment of the present invention.

Referring to Figs. 10 (a) to 10 (d), a signature column 62 formed on the sales slip 60 using a 9-pin printing header and a guide information area 65 adjacent to the signature column 62 are shown. The principle of printing an electronic signature and a predetermined message will be explained. Here, the signature column 62 and the guide information area 65 will be described on the assumption that each of the four lines (lines 1 to 4, where one line is the length (l) of a 9-pin print header), respectively. do.

First, referring to FIG. 10 (a), the printing unit 105 displays the first divided image of the highest image among the divided images of the electronic signature divided into four quarters by the graphic reconstructing unit 108. The first font (line 1) of the signature column 62 is printed, and the character fonts retrieved from the font storage unit 107 are also printed on the line 1 of the guide information area 65 as well.

 Subsequently, the printing unit 105 prints the line 1 of the print header 70 and then moves downwards on the sales slip 60 by 9 pin intervals to print the next line, and then prints the line 2. . That is, as shown in FIG. 10 (b), the printing unit 105 prints the second divided image of the electronic signature on the signature line 62 in the second line (line 2) adjacent to the lower part of the line 1. In the guide information area 65, the first new font 900 described with reference to Fig. 9A is printed. Therefore, a 3-pin long line spacing is formed between the characters printed between the lines 1 and 2.

Next, as shown in FIG. 10 (c), the printing unit 105 displays the third divided image of the digital signature in the signature line 62 at the third line (line 3) adjacent to the lower portion of the line 2. The second new font 910 described with reference to FIG. 9B is printed in the guide information area 65. As a result, a 3-pin length line spacing is formed between the characters printed between the lines 2 and 3.

Finally, as shown in FIG. 10 (d), the printing unit 105 displays the fourth segmented image of the digital signature in the signature line 62 at the fourth line (line 4) adjacent to the lower portion of the line 3. In the guide information area 65, the third new font 920 described with reference to FIG. 9C is printed. The bottom of the character printed on the line 3 is also formed with a three-pin line spacing.

As such, by printing a predetermined message on the same line of the sales slip by using the split image of the new font and the electronic signature according to the present invention, the signature field 62 is printed without interruption, and the guide information area 65 is printed. ) Can be printed spaced apart at a certain line spacing d for each line (for example, 1/3 of the length of the print header, i.e. three printing pins). do.

11 is a diagram illustrating a process of printing an electronic signature on a sales slip according to an embodiment of the present invention.

Referring to FIG. 11, a customer who first registers as a credit card member visits a merchant to purchase goods or services, and then transfers his credit card to the card reader 101 of the merchant terminal 100 for credit settlement. Contact (S501).

Subsequently, after inputting transaction details of the purchased goods or services using the keypad 102 or the barcode reader (S502), the card company server 700 requests the transaction approval for the transaction details (S503). .

Thereafter, the card company server 700 determines whether or not the transaction approval succeeded (S504), when notified that the failure, the notification that the transaction approval failed and terminates the procedure (S505).

On the other hand, if the transaction is normally approved from the card company server 700, the electronic signature is input through the electronic signature input unit 103 to prove the transaction details from the customer (S506).

Then, the graphic reconstruction unit 108 according to the present invention reconstructs the new font as described in FIGS. 9 (a) to 9 (c), and horizontally divides the input digital signature to form an electronic signature split image. (S507)

The printing unit 105 displays the new font reconstructed by the graphic reconstructing unit 108 and the split image of the electronic signature, as described in FIGS. 10 (a) to 10 (d), respectively. A plurality of lines are successively printed in a guide information area 65 of the top and a signature column 62 horizontally adjacent to the guide information area 65 in a plurality of lines. This enables not only to print an electronic signature in the signature column 62 of the sales slip by using a 9-pin printing header, but also a predetermined message having a plurality of lines in the guide information area 65 adjacent to the signature column 62. Can be printed with a fixed line spacing on each line.

12 is a diagram showing a sales slip printed with a new font and an electronic signature according to an embodiment of the present invention.

Referring to FIG. 12, the electronic signature of the customer and a predetermined guide message are respectively displayed in the signature column 60 formed in a small size on the sales slip 60 and the guide information area 65 horizontally adjacent to the signature column 60. Can print at the same time. In particular, when the predetermined guide message is composed of a plurality of lines, the guide message is printed in a small size guide information area 65 so as to have a constant line spacing for each line, so that the customer can easily identify the guide message. Will be.

According to the present invention, a method of printing an electronic signature on a sales slip can be embodied as computer readable codes on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and also include those implemented in the form of carrier waves such as transmission over the Internet. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

Meanwhile, in the detailed description of the present invention, specific embodiments have been described, but various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the claims below, but also by those equivalent to the claims.

13 to 15 are embodiments of the present invention implemented through a point of sales (POS) terminal apparatus provided in a store of a general wholesale / retail or service industry, in order to effectively explain the key technical features of the present invention. The terminology will be appropriately modified and used by one of ordinary skill in the art to which the foregoing drawings and the present invention pertain, but the present invention is not limited thereto.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

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

As shown in FIG. 13, the credit card payment and settlement system according to the present invention includes at least one POS terminal 1400, a payment agent server connected to the POS terminal 1400 through a communication network 200. Settlement information connected with the settlement agent server 500 connected to the payment slip server 300, the electronic sales slip output 400 connected to the payment agency server 300, the payment agency server 300; It comprises a providing server 600, and the card company server 700 connected to the payment agency's servers (300,500).

As described above, the communication network 200 may be mainly implemented as a general telephone network (PSTN) or an Internet network (ADSL), but is not limited thereto, and may be a dedicated communication network according to an implementation form of a credit card payment system. It may also be implemented in other wired and wireless communication networks.

The POS terminal 1400 may be provided with a credit card payment function or interwork with a predetermined device having a credit card payment function (eg, a merchant payment terminal, etc.) and in a store having a merchant contract with a card company. Is installed, the card member issuing a credit card from the card company visits the merchant to use the desired goods or services, the card reader unit 101 of the POS terminal equipped with their credit card in the store for payment for this Contact with.

The POS terminal 1400 obtains credit card information by reading a credit card using a card reader unit 1410, and stores transaction history information and electronic signature input through a key input unit 1425 or a barcode reader unit. An authorization request message including the last transaction digital signature information stored in the unit 1470 is generated and transmitted, and the response message is received to perform credit card payment.

Here, the transaction information transmitted includes the credit card information, and the POS terminal receives an electronic signature from a card member using a signature input unit 1435 and converts the electronic signature into electronic data. After converting and outputting the electronic sales slip including the transaction details and the electronic signature through the print output unit 1440 in a paper sales slip form, the electronic signature is encrypted and stored.

At this time, the sales slip provided to the customer may omit the signing factor and output the receipt in the form of only the transaction details.Then, if the credit card company requests the payment 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 a signature of a.

In addition, the POS terminal 1400 may store one electronic signature, or a plurality of electronic signatures may be stored until each electronic signature is normally transmitted to the payment agency server.

Thereafter, the POS terminal 1400 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, and the payment agency server 300 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 agent server 300 performs a function of relaying to the card company server 700 at the same time as checking whether the credit card is normal when the credit card transaction in the POS terminal 1400.

In addition, the payment agent server 300 receives the current transaction history information and the last transaction digital signature information transmitted from the POS terminal device through the communication network 200, the last transaction electronic signature is stored in the database 302 Thereafter, the card company server 700 requests 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, approval history and information about settlement history is 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 writes 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 billing data is stored and managed in the purchase billing 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 (or store) information 702 with the purchase billing data received from the settlement agency server 500 to distinguish between the normal depositable transactions and impossible deposit transactions or deposit or The result of the return is returned to the settlement agency server 500.

Then, the settlement 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, stores and manages it, and provides settlement information. The server 600 may provide settlement information at each affiliated store through a POS terminal device or the Internet, and may generate a credit sales report to each affiliated store for a predetermined period of time and provide it as an SMS, an email, or a mail. .

14 is a diagram showing a preferred functional configuration of a point of sales (POS) terminal device 1400 provided in a general wholesale / retail or service store according to an embodiment of the present invention.

More specifically, FIG. 14 illustrates a predetermined electronic input means (e.g., electronically) provided in the POS terminal 1400 for signature information of the payment customer according to a credit card payment when purchasing a predetermined product at a general wholesale / retail or service store. As a method of implementing a POS terminal 1400, which is input through a pad or a touch screen) and has a function of reducing / expanding the received customer signature information to suit a signature area on a sales slip, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to infer additional functional configurations of the POS terminal 1400 provided in the general retail and service stores. However, it is understood that the technical features of the present invention are not limited by this drawing 14, but include all implementation methods inferred from the above. Bayida is.

According to the present invention, as shown in FIG. 14, the POS terminal 1400 includes a credit card payment terminal function (for example, an authorization text generation and transmission function), or a predetermined cable or the like. It is characterized in that the link with the credit card payment terminal.

In addition, the POS terminal device 1400 is connected to a POS server that manages a plurality of POS terminal devices 1400 through a network, and the POS server is a product code, a product name, a product price, and product inventory information sold in the store. It manages and stores, and transmits and receives the information with at least one POS terminal device 1400 connected through the network.

Referring to FIG. 14, the illustrated POS terminal 1400 basically includes a control unit 1405, a memory unit 1450, a card reader unit 1410, a key input unit 1420, a screen output unit 1415, and a communication processing unit. 1430, a signature input unit 1435, a print output unit 1440, a barcode reader unit 1415, and a power supply unit 1455 for supplying power to the POS terminal 1400. It includes at least one terminal function unit (not shown) or the like according to the intention.

The control unit 1405 controls the overall operation of the POS terminal device 1400 in function configuration, manages the flow of information or data between each component, and is sold in a store equipped with the POS terminal device 1400. When paying for a credit card for a product, a signature area on a sales slip that outputs signature information of the payment customer received through a predetermined electronic input means (for example, an electronic pad or a touch screen) included in the POS terminal 1400. It is characterized in that for controlling the components provided in the POS terminal 1400 for the function of reducing / enlarging to suit, at least including hardware (Central Processing Unit) / MPU (Micro Processing Unit) And at least one processor and execution memory (e.g., a register and / or random access memory (RAM)) and a bus for inputting and outputting predetermined data. It shall be.

In addition, the controller 1405 may be loaded into the execution memory from a predetermined recording medium in order to perform a function specific to the POS terminal device 1400 by a predetermined program routine (operated by the processor). (E.g., Routine) and / or program data (hence, when paying for a credit card for a product sold in a store equipped with the POS terminal 1400, the payment information is enlarged / reduced by the payment customer electronically. Record provided in the POS terminal 1400 to perform a function for the customer to print a size suitable for the signature area of the sales slip issued for the transaction proof and billing of the goods purchased in the store. Among the functional configurations provided in the POS terminal 1400 for a predetermined program recorded on a medium and / or the above functions. Also the stand is possible component processed by software to shown to be provided in the control unit 1405) and is characterized in that formed.

According to the exemplary embodiment of the present invention, the control unit 1405 may include components (for example, the memory unit 1450, the card reader unit 1410, the key input unit 1425, and the screen included in the POS terminal device 1400). The output unit 1420, the communication processing unit 1430, the signature input unit 1435, the barcode reader unit 1415, the print output unit 1440, and / or the terminal function unit (not shown) according to the intention of the person skilled in the art Control and manage to provide the electronic payment service defined in the POS terminal device 1400 in association.

In addition, the control unit 1405 is a predetermined electronic device provided in the POS terminal device 1400 when the payment customer is credit card payment for the goods sold in the store equipped with the POS terminal device 1400 according to the present invention. Control the components provided in the POS terminal 1400 in order to enlarge / reduce signature information input through an input means (for example, an electronic pad or a touch screen) and output them to the signature area of the sales slip. Or / or the signature area of the sales slip by enlarging / reducing the signature information input by the payment customer through a predetermined electronic input means (for example, an electronic pad or a touch screen) provided in the POS terminal 1400. It is preferable to execute a program recorded on a recording medium provided in the POS terminal 1400 to output the data to the POS terminal 1400.

The memory unit 1450 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the POS terminal 1400 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It comprises one or more storage means.

In addition, the memory unit 1450 may include predetermined program routines and program data required for the controller 1405 to perform a predetermined control function (for example, data input or output for the program routine to perform a predetermined function). ) Is stored.

According to the present invention, product information and / or merchant information and / or terminal device for a product sold in a merchant having a POS terminal 1400 in a read / write memory area of the memory constituting the memory unit 1450. Characterized by the unique information.

In particular, the information stored in the memory unit may be stored in at least one memory area of a read only memory (ROM) area or a read / write memory area of the memory constituting the memory unit 1450. .

For example, when the POS terminal device 1400 unique information is provided in the affiliated store, the POS terminal device to check the POS terminal device 1400 outputting a sales slip for proof of transaction when a customer's credit card transaction is performed according to the present invention. (1400) comprises at least one or more of a unique number and / or device serial number and / or ESN (Electronic Serial Number) given during the manufacturing process or installation in the affiliated store, from the POS terminal 1400 A payment agency (eg, bansa) receiving a predetermined payment approval request text (eg, credit card approval request text) generated through the POS terminal 1400 through the terminal device-specific information. The requested store (or affiliated store provided with a terminal device) may be identified, and the POS server managing and operating the POS terminal device 1400 may obtain the terminal device information. And it can transmit and receive information such as product code, product name, price, and inventory.

According to an embodiment of the present invention, the card reader unit 1410 may provide predetermined card information (eg, credit provided in the card) from at least one payment customer card for the electronic payment service defined in the POS terminal 1400. Payment means information corresponding to a payment means including at least one of a card, a check card, a debit card, a cash card and a financial account.

Referring to FIG. 14, the card reader unit 1410 may include a contactless IC reader unit providing an interface between the contactless IC card and the POS terminal 1400, and the contact IC card and the POS terminal 1400. And a contact IC reader unit providing an interface and / or an MS reader unit providing an interface between the MS card and the POS terminal 1400.

According to an embodiment of the present invention, when the payment customer uses a credit card in the form of a contactless IC card, the card number stored in the credit card is read through the contactless IC reader, and the contactless IC reader is ISO / IEC 14443. Based on, at least one antenna that makes electrical contact with the contactless IC card through capacitive coupling and / or inductive coupling, etc., and through the antenna of the IC card The terminal supplies power to an IC chip and transmits information or data (eg, a credit card number, etc.) stored in the payment customer card or the IC chip of the wireless terminal through the half-duplex transaction using an APDU. 1400).

In addition, the contact IC reader unit is a card reader unit 1410 based on ISO / IEC 7816, and at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. And a predetermined information stored in the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit), and supplying power to the IC chip of the IC card through the contact point. Alternatively, the data may be interfaced to the POS terminal 1400.

In addition, the MS reader unit is a card reader unit 1410 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetization). As binary data, the MS card having predetermined information or data (e.g., credit card number, etc.) recorded in close contact with the magnetic head and moving in a predetermined direction (or the MS having the predetermined information recorded therein). In close contact with the card), the POS terminal 1400 receives predetermined information or data from at least one track provided in the MS of the MS card by using a predetermined electrical signal loaded on the magnetic head. It is characterized in that the interface with).

The key input unit 1425 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or signal) input from a key input device of the controller and controls the POS terminal device 1400 controlled by the controller 1405 in cooperation with the controller 1405 based on the information (or signal). When predetermined information (or signal) is input from a predetermined key button provided in the key input device in a specific operation mode, a key event corresponding to the input information (or signal) is generated, and the generated key event is generated. It is characterized in that provided to the control unit 1405.

At this time, the control unit 1405 obtains predetermined key data corresponding to the key event in the current operation mode of the POS terminal 1400, and / or performs a predetermined function defined in accordance with the key event. It is characterized by obtaining a command to execute.

The key input unit 1425 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the POS terminal 1400, and the key input device may include at least one key. A keypad device having numeric keys and function keys, and / or a keyboard device having at least one numeric and character keys (e.g., English letter keys and / or Korean letter keys) and function keys, and / or the screen It is preferable that the touch screen device includes at least one or more numeric keys and function keys, and / or at least one or more touch screen devices including at least one or more numeric keys, character keys, and function keys.

According to an embodiment of the present invention, the key input unit 1425 may input / modify predetermined information or data in a payment process for a product sold at an affiliated store equipped with the POS terminal 1400 according to the present invention. It is desirable to perform commands such as / transfer.

The screen output unit 1420 may be configured by the control unit 1405 by the control unit 1405 while the POS terminal 1400 performs a predetermined function (for example, an electronic payment processing function using a card, a sales slip output function, and the like). Outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display device including a liquid crystal display (CRT) and / or a cathode ray tube (CRT) through a predefined interface screen The screen output unit 1420 and the screen output device interoperate with each other to perform a function of the screen output means provided in the POS terminal device 1400.

The predefined information or data to be output from the POS terminal 1400 to the screen output device may be provided in the key data input through the key input unit 1425 and / or in the POS terminal 1400. Information (or data) stored or generated by a component, information (or data) transmitted and received through the communication processor 1430, and / or information corresponding to a predetermined operation result performed by the POS terminal 1400. (Or data) comprising at least one.

According to a preferred embodiment of the present invention, the screen output unit 1420 is read from a bar code attached to at least one or more goods that a customer to be acquired by the barcode reader unit 1415 of the POS terminal 1400 is to purchase. It is preferable to perform a function of the screen output means for outputting a product name, a product price, a total payment amount and the like corresponding to the barcode information.

The communication processor 1430 may include a terminal (or a server) on a payment network (eg, a value added network (VAN)) while the POS terminal 1400 performs a predetermined function (eg, an electronic payment service function). And / or a terminal (or device) (eg, a POS server) connected to the POS terminal 1400 through a predetermined cable and / or a terminal connected to the POS terminal 1400 through predetermined short range wireless communication. (Or a device) (e.g., a POS server or a wireless ordering device, etc.) and provides a predetermined communication means for connecting a communication session.

Referring to FIG. 14, the communication processor 1430 may be a network communication unit for connecting a predetermined communication channel with a server (or device) on a wired or wireless network, and / or a predetermined terminal (or device) through a predetermined cable communication port. And a short range wireless communication unit for connecting a predetermined short distance communication terminal (or device) device to a predetermined communication session through at least one short range wireless communication means, and / or a cable communication unit for connecting a communication session with a predetermined communication session. It comprises a communication protocol and / or a driver for connecting the communication channel (or communication session) in software.

The network communication unit of the communication processing unit 1430 includes a predetermined wired network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). And / or connect a communication channel with a server (or device) on the wired or wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network.

The network communication unit may include a modem or a network interface card (NIC) for connecting the POS terminal 1400 to a predetermined wired or wireless network in hardware. The POS terminal may be software. And a communication protocol and / or driver for connecting the device 1400 to the wired or wireless network.

The cable communication unit of the communication processing unit 1430 is characterized in that for connecting a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (for example, RS-232c, Universal Serial Bus (USB)), It comprises a predetermined cable communication port to which the cable is connected in hardware, and comprises a communication protocol and / or driver for the cable communication in software.

According to an embodiment of the present invention, the cable communication terminal (or device) preferably comprises a point of sales (POS) server connected to the POS terminal 1400 through a predetermined cable communication. In this case, the POS terminal 1400 may receive product information corresponding to a product (or a product code) sold in the store from the POS server.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

The signature input unit 1435 may include a predetermined electronic signature input means (eg, an electronic pad, a touch screen, etc.) in order to receive a signature for transaction verification electronically from a credit card settlement customer.

For example, the electronic signature input means may be configured as a tablet or electronic pad with a pen or PUCK connected to a code or wirelessly, and in the present invention, when paying a credit card of a customer, the pen (or puck) may be used. When the user touches the liquid crystal screen formed on the tablet and inputs his or her signature, the signature input unit 1435 senses the pressure that the pen presses to detect the pressure on the liquid crystal screen (e.g., x, y). The signature image data corresponding to the coordinate point).

Here, the coordinate point represents a continuous flow, a starting point or an end point of the detected position when the credit card settlement customer draws or traces a signature or the like on the liquid crystal screen formed on the tablet.

The print output unit 1440 may be configured to perform a predetermined function (eg, a credit settlement processing function) by the POS terminal 1400 and / or predetermined information or data (eg, payment processing result information) generated as a result. Or data) to a predetermined printing apparatus 1445 (for example, a sprocket printer, a thermal printer, etc.), and prints the printing information or data in accordance with a predefined printing form. It includes a printing protocol and a driver for printing through.

In particular, when the signature information of the payment customer electronically input through the signature input unit 1435 is reduced / expanded through the control unit according to the present invention, the print output unit 1440 performs the reduced / expanded payment customer signature. It is characterized in that printed on the signature area on the sales slip.

Meanwhile, referring to FIG. 14, the control unit 1405 of the POS terminal 1400 enlarges / reduces signature information of a payment customer electronically input through the signature input unit 1435 and prints the print output unit 1440. The signature processing unit 1465 to print the signature area on the sales slip and the card reader unit 1410 by the card reader 1410 during the credit card payment process of the POS terminal 1400. Purchase target product information (eg, product name, product price) corresponding to the read card information (eg, credit card number, etc.) and barcode information read through the barcode reader unit 1415 and the memory of the POS terminal 1400. Using the store information and the POS terminal 1400 information extracted from the unit, a professional processing unit 1460 for generating a credit card approval request message to be transmitted to a payment agent server and an electronic signature through the signature input unit 1435. That is configured to include a digital signature storage unit 1470 storing the encrypted information, the signature of the customer payment input to be characterized.

As described above, when the signature processing unit 1465 generates coordinate data corresponding to the electronic signature input by the payment customer through the signature input unit 1435, the size of the signature print image formed by the coordinate data is formed. It may be reduced or enlarged so as to be properly output to the signature area on the sales slip.

The specialized processor 1460 may purchase information (eg, a brand name) corresponding to information input through the key input unit 1425 (for example, a payment processing amount) or barcode information read through the barcode reader unit 1415. To generate a credit card payment approval request message to be transmitted to the payment agency server by using the store information and the POS terminal 1400 information extracted from the POS terminal 1400 and the memory unit 1450. Characterized in that the generated full text is characterized in that it includes a cash receipt processing approval request for the goods sold in the store or the transaction approval cancellation full text.

In addition, the specialized processing unit 1460 transmits the generated credit card payment approval request message to the payment agency server on the payment network through the network communication unit of the communication processing unit 1430, and the payment approval from the payment agency server. Receives a predetermined payment approval response message corresponding to the request message, and outputs the information included in the received message in conjunction with the screen output unit 1420, or the reception in conjunction with the print output unit 1440 And outputting information included in the preamble.

In addition, the specialized processing unit 1460 includes at least one or more electronic signature information stored in the POS terminal 1400 memory through the electronic signature storage unit 1470 in the payment approval request message or the payment approval request. Characterized in that the transmission to the payment server with the full text.

The digital signature storage unit 1470 may store one electronic signature, or may continuously store a plurality of electronic signatures until each electronic signature is normally transmitted to the payment agent server.

15 is a diagram illustrating a process of printing a reduced / enlarged electronic signature on a sales slip through the POS terminal 1400 according to an embodiment of the present invention.

Referring to FIG. 15, a customer who is registered as a credit card member first visits a store (merchant) equipped with a POS terminal 1400, purchases goods or services, and recalls his or her credit card for credit payment. The card reader 1410 of the POS terminal 1400 shown in FIG. 14 is brought into contact with each other (S601).

When barcode information is read from a barcode attached to at least one product to be purchased by the customer through a barcode reader 1415 provided in the POS terminal 1400 (S602), the product corresponding to the barcode information is read. Complete transaction details by extracting information (eg, a brand name, a product price, etc.) from a memory unit provided in the POS terminal 1400 or a POS server connected to the POS terminal 1400 through a predetermined network. (S603).

When the transaction history information is completed, the POS terminal 1400 generates a transaction approval request message including the transaction history information and credit card information to be transmitted to a payment agency server and transmits it to the payment agency server (S604).

Thereafter, the payment agency server determines whether the transaction approval is successful from the card company server 700 (S605), and when notified that the payment has failed, the transaction approval response message including the transaction approval failure details is included in the POS terminal. Transmission to the device 1400 and the procedure ends (S606).

On the other hand, if the transaction is normally authorized from the card company server 700, the payment agency server transmits a transaction approval response message including the transaction approval normal details to the POS terminal 1400 (S607), The POS terminal 1400 receives an electronic signature from the customer through a signature input unit provided in the POS terminal 1400 to verify the transaction details (S608).

Then, according to the present invention, the signature processing unit 1465 of the POS terminal 1400 may have the horizontal and vertical lengths of the electronic signature input through the signature input unit 1435 as described above with reference to FIGS. 10 and 11. Reduce / enlarge to a predetermined magnification to fit the signature area on the sales slip output (S609).

The predetermined magnification may be set to a smaller magnification of the respective magnifications of the horizontal and vertical lengths of the LCD screen 70 of the electronic signature input unit 1435 with respect to the horizontal and vertical lengths of the electronic signature. In addition, the signature processor 1465 enlarges / reduces the digital signature based on one side edge or the center of the LCD screen 70.

Thereafter, the print output unit 1440 of the POS terminal 1400 prints the digital signature enlarged / reduced by the signature processing unit 1465 in the signature area on the sales slip (S610), and the customer has his / her own. Even when the signature is written on one side of the LCD screen of the signature input means of the signature input unit 1435 or in a small (or large) size, the signature area on the sales slip through the enlargement / reduction process of the electronic signature according to the present invention. The electronic signature can be printed by making the most of the space allocated to the.

According to the present invention as described above, implement a system capable of efficiently capturing the electronic signature information of the card member from the payment terminal of the small merchant, according to the present invention is the electronic slip on the sales slip output from the merchant payment terminal You can print your signature. In addition, according to the present invention, by printing a large amount of guidance message on the same line as the electronic signature on the sales slip at regular line intervals, customers can visually and comfortably recognize the guidance message, and also make space on the sales slip. There is an advantage that can be utilized to provide the advertisement or guidance message to the maximum.

Claims (9)

A payment processing unit which transmits credit card information and transaction history information of a customer inputted for credit settlement to a credit card company server, and processes information according to whether the credit card company server is approved; An electronic signature input unit for inputting the electronic signature of the customer for proof of the transaction when payment is approved for the transaction details; After extracting a guide message to be printed on the guide information area adjacent to the signature column in the sales slip from the memory unit or receiving it through a communication network, the guide information area by combining a portion of the text font corresponding to the guide message and a blank image. A graphic reconstructing unit configured to reconstruct a new font image having a size that can be printed on the screen, and to divide the electronic signature into a plurality of images so that the inputted electronic signature can be printed in the signature column with the same size as the new font image; And And a printing unit for processing the digital signature divided into the reconstructed new font image and the plurality of images to be continuously printed side by side in the guide information area and the signature column. delete The method of claim 1, wherein the guide message, Sales slip printing device comprising a number, letters or special characters. The method of claim 1, wherein the new font image, The sales slip printing apparatus comprising a plurality of images connecting a portion of the text font and a top or bottom blank image of a portion of the text font. delete delete A first step of transmitting a credit card information and transaction history information of a customer inputted for credit settlement to a credit card company server to request transaction approval; A second step of inputting the electronic signature of the customer to verify the transaction when the settlement of the transaction is made; After extracting a guide message to be printed on the guide information area adjacent to the signature column in the sales slip from the memory unit or receiving it through a communication network, the guide information area by combining a portion of the text font corresponding to the guide message and a blank image. Reconstructing the digital signature into a plurality of images so that the digital signature can be printed with the same size as the new font image in the signature field and reconstructed into a new font image of a size that can be printed on the image; And And a fourth step of processing the digital signature divided into the reconstructed new font image and the plurality of images to be continuously printed side by side in the guide information area and the signature column. The method of claim 7, wherein the new font image, The sales slip printing method comprising a plurality of images connecting a portion of the text font and the upper or lower blank image of a portion of the text font. delete

Images