KR100863319B1 - 금융 거래 처리 시스템 및 방법 - Google Patents
금융 거래 처리 시스템 및 방법 Download PDFInfo
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Abstract
Description
본 발명의 시스템에서, 소매 시설 내로 들어간 고객은 구입하고자 하는 상품 또는 서비스를 확인하고 무선 고객 트랜시버(customer tranceiver)를 통하여 포인트 오브 세일즈(point of sales : POS) 장치에 연결된 상인(merchant) 트랜시버에 확인 신호를 전송함으로서 지불 정보를 상인에게 전달한다. 상인 트랜시버가 고객 ID를 입력하면, 상인 트랜시버는 이를 POS 장치로 전송하며, 이후 이 장치는 고객 ID, 상인 ID 및 거래 데이터를 허가 요청으로 결합한다. 그 후 POS 장치는 데이터를 거래 처리 시스템(호스트 컴퓨터)으로 전송하며, 여기서 고객 지불 방법이 확인된다. 허가를 요청한 지불 방법을 위하여, 허가를 위한 요청은 적절한 지불 처리 센터로 전송된다. 지불 처리 센터가 거래를 허가하면, 센터는 거래 처리 시스템을 통하여 허가 코드를 POS 장치로 전송한다. 시스템이 불안전한 링크를 통하여 고객의 신용 카드 또는 데빗 카드 번호를 결코 전송하지 않기 때문에 기존의 시스템에 비하여 고도의 보안을 제공한다. 또한, 무선 고객 트랜시버를 통하여 상인과 통신함으로서 시스템은 고객의 신용 카드 번호 또는 다른 지불 데이터가 허용되지 않게 억세스되지 않을 것이며 부정직한 소매점 점원들에 의하여 부정하게 사용되지 않는다는 고객의 신뢰을 증가시킨다. 상인의 소매 시설에서 고객이 그의 무선 고객 트랜시버를 사용할 때마다 시스템이 고객들이 특정 소매 시설에게 특정 지불 방법을 미리 할당하게 하고 거래 처리 시스템에 의하여 선택된 미리 할당된 지불 방법을 자동적으로 갖게 하기 때문에 시스템은 또한 참여 고객에게 매우 높은 정도의 편리함을 제공한다.
Claims (50)
- 고객 트랜시버로부터 복수 개의 포인트-오브-세일 장치들 중 하나의 트랜시버로 무선 주파수(RF) 고객 확인 신호를 전송하되, 상기 고객 확인 신호는 고객 지불 데이터를 제외한 고객 확인 데이터를 포함하는 단계;허가 요청을 형성하기 위하여, 상기 수신된 고객 확인 데이터를 고객이 원하는 거래를 나타내는 거래 데이터 및 상인 확인 데이터와 결합하는 단계;상기 신호가 전달된 상기 포인트-오브-세일 장치로부터 거래 처리 시스템으로, 상기 허가 요청을 전송하되, 상기 허가 요청은 상기 상인 확인 데이터, 상기 거래 데이터, 고객 지불 데이터를 제외한 상기 고객 확인 데이터를 포함하는 단계;상기 거래 처리 시스템 내에서, 상기 고객 확인 데이터로부터, 상기 상인 확인 데이터에 대응되는 지불 프로세서를 결정하는 단계;상기 허가 요청을 상기 선택된 지불 프로세서로 전송하는 단계; 및상기 포인트-오브-세일 장치로, 상기 허가 요청에 대한 상기 지불 프로세서의 응답을 전송하는 단계를 포함하는 것을 특징으로 하는 거래 처리 방법.
- 제 1 항에 있어서,상기 고객 확인 데이터는 고객에 의하여 상기 복수개의 포인트-오브-세일 장치들 중 하나의 장치에서 수동으로 입력된 개인 확인 번호를 포함하는 것을 특징으로 하는 거래 처리 방법.
- 제 1 항에 있어서, 상기 거래 처리 시스템은,상기 거래 데이터 및 상기 고객 확인 데이터와 관계된 데이터 및 지불 프로세서 데이터 및 상기 고객 확인 데이터와 관계된 데이터를 포함하는 고객 데이터 베이스를 포함하는 것을 특징으로 하는 거래 처리 방법.
- 제 1 항에 있어서, 상기 거래 처리 시스템은,상기 고객 확인 데이터 및 거래 데이터, 및 지불 프로세서 데이터와 관계된 데이터를 포함하는 상인 데이터 베이스를 포함하는 것을 특징으로 하는 거래 처리 방법.
- 제 1 항에 있어서, 상기 거래 처리 시스템은,상기 고객 확인 데이터 및 상기 포인트-오브-세일 장치에서 고객에 의해 수동으로 입력된 개인 확인 번호와 관계된 데이터를 포함하는 것을 특징으로 하는 거래 처리 방법.
- 제 1 항에 있어서,상기 거래 데이터 및 상기 고객 확인 데이터로 고객 거래 데이터의 데이터 베이스를 갱신하여 거래 시스템에서 고객 구매 경향 정보를 수집하는 단계를 더 포함하는 것을 특징으로 하는 거래 처리 방법.
- 제 5 항에 있어서, 상기 고객 거래 데이터 베이스는, 상기 지불 프로세서가 거래를 허가할 때 상기 거래 데이터 및 상기 고객 확인 데이터가 갱신되는 것을 특징으로 하는 거래 처리 방법.
- 제 1 항에 있어서,상기 거래 데이터를 나타내는 로열티 포인트를 데이터 베이스 내의 고객 계좌에 주어(crediting) 상인 보상 프로그램 내의 고객 증가(progress)를 관찰하는 단계를 더 포함하는 것을 특징으로 하는 거래 처리 방법.
- 제 8 항에 있어서,상기 고객 확인 데이터는 고객에 의하여 상기 포인트-오브-세일 장치에서 수동으로 입력된 개인 확인 번호를 더 포함하는 것을 특징으로 하는 거래 처리 방법.
- 제 8 항에 있어서,상기 고객 계좌는, 상기 지불 프로세서가 거래를 허가할 때, 상기 거래 데이터 및 상기 고객 확인 데이터로 갱신되는 것을 특징으로 하는 거래 처리 방법.
- 제 1 항에 있어서,상기 고객 확인 데이터를 포함하는 신호는, 무선 전송 매체를 통하여 상기 고객 확인 데이터를 저장하는 고객 트랜시버로부터 상기 포인트-오브-세일 장치에서 상인 트랜시버로 전송되는 것을 특징으로 하는 거래 처리 방법.
- 제 11 항에 있어서,무선 주파수 신호는 상기 상인 트랜시버로부터 상기 상인 트랜시버에 근접한 고객 수신기에 전송되고, 상기 고객 트랜시버로부터 상기 고객 확인 데이터의 무선 주파수 신호는 상기 상인 트랜시버로 전송되는 것을 특징으로 하는 거래 처리 방법.
- 제 12 항에 있어서,상기 상인 트랜시버로부터의 신호는, 상기 상인 트랜시버에 상기 신호를 전송하기 위해 상기 고객 트랜시버를 위한 가동 동력을 발생시키는 것을 특징으로 하는 거래 처리 방법.
- 제 11 항에 있어서,상기 고객 확인 데이터와 대응하는 개인 서비스를 상기 고객 트랜시버로부터 전송된 상기 고객 확인 데이터로부터 결정한 고객에게 전달하기 위한 목적으로 고객을 확인하고, 상기 고객에게 상기 개인 서비스를 제공하는 단계를 포함하는 것을 특징으로 하는 거래 처리 방법.
- 제 14 항에 있어서,상기 고객 확인 데이터는 상기 거래 처리 시스템에서 고객에 의하여 상기 포인트-오브-세일 장치에서 수동으로 입력된 개인 확인 번호에 관계된 것을 특징으로 하는 거래 처리 방법.
- 제 1 항 내지 제 15 항 중 어느 한 항의 거래 처리 방법을 실행시키기 위한 프로그램을 기록한 컴퓨터로 읽을 수 있는 매체.
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- 제 1 항 내지 제 15 항 중 어느 한 항의 거래 처리 방법에 따라 거래들을 처리하기 위한 시스템에 있어서,고객 트랜시버로부터 복수 개의 포인트-오브-세일 장치들 중 하나의 트랜시버로, 고객 지불 데이터를 제외한 고객 확인 데이터를 포함하는 무선 주파수(RF) 고객 확인 신호를 전송하는 수단;허가 요청을 형성하기 위하여, 상기 수신된 고객 확인 데이터를 고객이 원하는 거래를 나타내는 거래 데이터 및 상인 확인 데이터와 결합하는 수단;상기 복수 개의 포인트-오브-세일 장치들 중 하나로부터 거래 처리 시스템으로, 상인 확인 데이터, 거래 데이터, 및 고객 지불 데이터를 제외한 상기 고객 확인 데이터를 포함하는 상기 허가 요청을 전송하는 수단;상기 고객 확인 데이터로부터, 상기 상인 확인 데이터에 대응되는 지불 프로세서를 결정하는 수단;상기 허가 요청을 상기 지불 프로세서로 전송하는 수단; 및상기 복수 개의 포인트-오브-세일 장치들 중 하나로, 상기 지불 프로세서로부터의 응답을 전송하는 수단을 포함하는 시스템.
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- 제 28 항에 있어서,고객 트랜시버를 더 포함하되, 상기 고객 트랜시버는,생물적 데이터를 입력하고, 상기 데이터를 상기 데이터의 전자적인 표현으로 변환하고, 상기 트랜시버에 저장된 생물적 데이터와 입력된 생물적 데이터가 매치될 때, 상기 고객 확인 데이터를 상인 트랜시버로 전송하도록 작동 가능한 보안 패드를 포함하는 것을 특징으로 하는 거래 처리 시스템.
- 제 32 항에 있어서,상기 생물적 데이터는 지문 또는 장문인 것을 특징으로 하는 거래 처리 시스템.
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- 제 28 항에 있어서, 상기 거래 처리 시스템은,프로그램 명령들을 구비한 메모리; 및프로그램 명령들을 이용하도록 구성하여, 상기 허가 요청을 수신하고; 상기 고객 확인 데이터로부터 상인 확인에 대응하는 지불 프로세서를 결정하고; 허기를 위하여 상기 허가 요청을 상기 지불 프로세서로 전송하고; 상기 허가 요청에 대한 상기 지불 프로세서의 응답을 상기 허가 요청을 만들어진 포인트-오브-세일 장치로 전송하는 프로세서를 포함하는 것을 특징으로 하는 거래 처리 시스템.
- 제 35 항에 있어서, 상기 거래 처리 시스템의 프로세서는,거래 금액을 상기 메모리에 저장된 금액과 비교하도록 프로그래밍되고;상기 거래 금액이 상기 저장된 금액보다 클 때 상기 고객 확인 데이터의 전송을 억제하도록 프로그래밍된 것을 특징으로 하는 거래 처리 시스템.
- 제 36 항에 있어서, 상기 프로세서는,상기 거래가 승인될 때 상기 메모리 내에 저장된 금액으로부터 거래 금액을 공제하도록 프로그래밍된 것을 특징으로 하는 거래 처리 시스템.
- 제 28 항에 있어서,고객에 의해 상기 포인트-오브-세일 장치에서 개인 확인 번호를 수동으로 입력하기 위한 수단을 더 포함하는 것을 특징으로 하는 거래 처리 시스템.
- 제 28 항에 있어서,상기 포인트-오브-세일 장치에서 상기 고객 확인 데이터를 저장하는 고객 트랜시버로부터 상기 고객 확인 데이터를 포함하는 신호를 무선 전송 매체를 통하여 수신하기 위한 상인 트랜시버를 더 포함하는 것을 특징으로 하는 거래 처리 시스템.
- 제 28 항에 있어서,상기 고객 확인 정보를 포함하는 정보를 저장하고 상기 고객 확인 정보를 상인 트랜시버로 전송하는 메모리를 포함하는 고객 트랜시버를 더 포함하는 것을 특징으로 하는 거래 처리 시스템.
- 제 40 항에 있어서,상인 트랜시버를 더 포함하되, 상기 상인 트랜시버는,상기 고객 트랜시버가 상기 상인 트랜시버에 근접할 때, 상기 고객 확인 데이터를 포함하는 신호를 상기 상인 트랜시버에 전송하기 위하여 상기 고객 트랜시버 내에 가동 동력을 발생시키기 위해 상기 고객 트랜시버에 신호를 발생시키는 수단을 포함하는 것을 특징으로 하는 거래 처리 시스템.
- 제 41 항에 있어서, 상기 상인 트랜시버는,상기 고객 트랜시버가 상기 상인 트랜시버에 근접하여 위치할 때, 상기 고객 트랜시버에 동력을 제공하고 상기 고객 트랜시버와 정보를 교환하기 위한 트랜시버 안테나를 더 포함하는 것을 특징으로 하는 거래 처리 시스템.
- 제 42 항에 있어서,상기 포인트-오브-세일 장치는, 상기 고객 트랜시버로부터 수신된 상기 고객 거래 데이터를 입력하고(capturing) 상기 수신한 고객 확인 데이터를 상기 거래 데이터와 결합하기 위하여 상기 상인 트랜시버에 연결되고, 허가 요청을 형성하고 상기 거래 처리 시스템에 허가 요청을 전송하기 위해 상인 확인(identifier)과 연결되는 것을 특징으로 하는 거래 처리 시스템.
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- 제 39 항에 있어서, 상기 상인 트랜시버는,거래에 관련된 정보를 저장하기 위하여 작동가능한 메모리를 포함하는 것을 특징으로 하는 거래 처리 시스템.
- 제 37 항에 있어서, 상기 고객 트랜시버는,프로세서에 연결된 키보드를 포함하되, 상기 프로세서는 상기 메모리에 저장되거나 상기 키보드를 통해 수동으로 입력된 정보를 상기 상인 트랜시버로 전송하기 위하여 작동되는 것을 특징으로 하는 거래 처리 시스템.
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- 2000-02-18 CN CN00806281A patent/CN1348566A/zh active Pending
- 2000-02-18 KR KR1020077030756A patent/KR20080005615A/ko not_active Application Discontinuation
- 2000-02-18 EP EP00910232A patent/EP1190350A4/en not_active Ceased
- 2000-02-18 KR KR1020017010426A patent/KR100863319B1/ko active IP Right Grant
- 2000-02-18 NZ NZ513729A patent/NZ513729A/xx not_active IP Right Cessation
- 2000-02-18 BR BR0008316-0A patent/BR0008316A/pt not_active Application Discontinuation
- 2000-02-18 AU AU32359/00A patent/AU772850B2/en not_active Expired
- 2000-02-18 IL IL14484600A patent/IL144846A0/xx active IP Right Grant
- 2000-02-18 TR TR2001/02398T patent/TR200102398T2/xx unknown
- 2000-02-18 AU AU2004203589A patent/AU2004203589B2/en not_active Expired
- 2000-02-18 CA CA002363199A patent/CA2363199A1/en not_active Abandoned
- 2000-02-18 JP JP2000600219A patent/JP4593790B2/ja not_active Expired - Lifetime
- 2000-02-18 WO PCT/US2000/004163 patent/WO2000049551A1/en active IP Right Grant
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2001
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Also Published As
Publication number | Publication date |
---|---|
IL144846A (en) | 2007-07-24 |
CA2363199A1 (en) | 2000-08-24 |
AU2004203589A1 (en) | 2004-09-02 |
KR20080005615A (ko) | 2008-01-14 |
WO2000049551A1 (en) | 2000-08-24 |
AU772850B2 (en) | 2004-05-06 |
AU2004203589B9 (en) | 2004-09-02 |
HK1046182A1 (zh) | 2002-12-27 |
KR20020035796A (ko) | 2002-05-15 |
EP1190350A4 (en) | 2006-10-18 |
US20090228336A1 (en) | 2009-09-10 |
AU3235900A (en) | 2000-09-04 |
IL144846A0 (en) | 2002-06-30 |
BR0008316A (pt) | 2002-06-11 |
TR200102398T2 (tr) | 2002-02-21 |
ZA200106503B (en) | 2002-11-07 |
AU2004203589B2 (en) | 2007-09-20 |
NZ513729A (en) | 2001-09-28 |
US7571139B1 (en) | 2009-08-04 |
CN1348566A (zh) | 2002-05-08 |
JP4593790B2 (ja) | 2010-12-08 |
JP2002542530A (ja) | 2002-12-10 |
EP1190350A1 (en) | 2002-03-27 |
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